If I were you and a seller didn't reply to me about a simple request to add tracking and insurance to the total, I wouldn't feel like paying her either.
Some sellers appear to be labouring under the misapprehension that the buyer is responsible for ensuring that their package reaches them and I would be worried that she intended to not send the wallet and then claim that it was my fault that I had not received it, as I didn't pay for insurance.
Of course, she would be completely in the wrong to do this, but I've seen sellers accusing buyers of this, in feedback comments, too many times.
The truth is that it is the seller who should insist on insurance as, otherwise, they are legally responsible for non-delivery.
You could pay her and then, if the wallet doesn't arrive and she tries to blame you, leave her a negative and take the matter up with eBay and Paypal (if applicable), but that would, obviously, be a lot of hassle and this would not be my preferred course of action.
If I were you, assuming she seems like a reliable seller (to find out, read all her feedback comments and if 2 or more of her negative and/or neutral and/or removed/withdrawn feedback comments say the same negative thing about her - she is not reliable) I'd try contacting her once more and inform her that you are still ready to pay for the wallet you won, assuming she will add the insurance and tracking cost on, as was offered in her auction and you have already requested on three separate occasions.
BTW, before you do anything, please can you let us know the name of the seller and can you post a link to the auction?
