diff --git a/src/wp-includes/connectors.php b/src/wp-includes/connectors.php
index 9e7db2cef8f68..b5f2354ddd93a 100644
--- a/src/wp-includes/connectors.php
+++ b/src/wp-includes/connectors.php
@@ -549,10 +549,9 @@ function _wp_connectors_rest_settings_dispatch( WP_REST_Response $response, WP_R
  * @access private
  */
 function _wp_register_default_connector_settings(): void {
-	$ai_registry         = AiClient::defaultRegistry();
 	$registered_settings = get_registered_settings();
 
-	foreach ( wp_get_connectors() as $connector_id => $connector_data ) {
+	foreach ( wp_get_connectors() as $connector_data ) {
 		$auth = $connector_data['authentication'];
 		if ( 'api_key' !== $auth['method'] || empty( $auth['setting_name'] ) ) {
 			continue;
@@ -563,8 +562,11 @@ function _wp_register_default_connector_settings(): void {
 			continue;
 		}
 
-		// For AI providers, skip if the provider is not in the AI Client registry.
-		if ( 'ai_provider' === $connector_data['type'] && ! $ai_registry->hasProvider( $connector_id ) ) {
+		if ( ! isset( $connector_data['plugin']['is_active'] ) || ! is_callable( $connector_data['plugin']['is_active'] ) ) {
+			continue;
+		}
+
+		if ( ! call_user_func( $connector_data['plugin']['is_active'] ) ) {
 			continue;
 		}
 
diff --git a/tests/phpunit/tests/connectors/wpRegisterDefaultConnectorSettings.php b/tests/phpunit/tests/connectors/wpRegisterDefaultConnectorSettings.php
new file mode 100644
index 0000000000000..ba16fed864aed
--- /dev/null
+++ b/tests/phpunit/tests/connectors/wpRegisterDefaultConnectorSettings.php
@@ -0,0 +1,101 @@
+<?php
+
+/**
+ * Tests for _wp_register_default_connector_settings().
+ *
+ * @group connectors
+ * @covers ::_wp_register_default_connector_settings
+ */
+class Tests_Connectors_WpRegisterDefaultConnectorSettings extends WP_UnitTestCase {
+
+	const CONNECTOR_ID = 'wp_test_non_ai_connector';
+	const SETTING_NAME = 'connectors_test_non_ai_api_key';
+
+	/**
+	 * Snapshot of registered settings before each test.
+	 *
+	 * @var array
+	 */
+	private array $original_registered_settings = array();
+
+	/**
+	 * Snapshots the registered settings before each test.
+	 */
+	public function set_up(): void {
+		parent::set_up();
+
+		global $wp_registered_settings;
+		$this->original_registered_settings = $wp_registered_settings;
+	}
+
+	/**
+	 * Removes the test connector and restores registered settings.
+	 */
+	public function tear_down(): void {
+		$registry = WP_Connector_Registry::get_instance();
+		if ( null !== $registry && $registry->is_registered( self::CONNECTOR_ID ) ) {
+			$registry->unregister( self::CONNECTOR_ID );
+		}
+
+		global $wp_registered_settings;
+		$wp_registered_settings = $this->original_registered_settings;
+
+		parent::tear_down();
+	}
+
+	/**
+	 * @ticket 65099
+	 */
+	public function test_non_ai_connector_skipped_when_is_active_returns_false(): void {
+		WP_Connector_Registry::get_instance()->register(
+			self::CONNECTOR_ID,
+			array(
+				'name'           => 'Test Non-AI Connector',
+				'description'    => '',
+				'type'           => 'spam_filtering',
+				'authentication' => array(
+					'method'       => 'api_key',
+					'setting_name' => self::SETTING_NAME,
+				),
+				'plugin'         => array(
+					'file'      => 'test/test.php',
+					'is_active' => static function (): bool {
+						return false;
+					},
+				),
+			)
+		);
+
+		_wp_register_default_connector_settings();
+
+		$this->assertArrayNotHasKey( self::SETTING_NAME, get_registered_settings() );
+	}
+
+	/**
+	 * @ticket 65099
+	 */
+	public function test_non_ai_connector_registers_setting_when_is_active_returns_true(): void {
+		WP_Connector_Registry::get_instance()->register(
+			self::CONNECTOR_ID,
+			array(
+				'name'           => 'Test Non-AI Connector',
+				'description'    => '',
+				'type'           => 'spam_filtering',
+				'authentication' => array(
+					'method'       => 'api_key',
+					'setting_name' => self::SETTING_NAME,
+				),
+				'plugin'         => array(
+					'file'      => 'test/test.php',
+					'is_active' => static function (): bool {
+						return true;
+					},
+				),
+			)
+		);
+
+		_wp_register_default_connector_settings();
+
+		$this->assertArrayHasKey( self::SETTING_NAME, get_registered_settings() );
+	}
+}