Just to be clear, my understanding is that ZDT just gives you 14-day temporary licenses in the event of your dongle failing/breaking/being lost/stolen so you can continue working without delays.
You still need to purchase or have a spare iLok to download those temporary licenses and the onus is still on you to actually reach out to each developer to get permenant replacement licenses. Then it's up to each developer to decide on whether to offer those replacements and under what terms on a case-by-case basis. If the donge was just broken or died, I think you can also just mail it in within that 14 days and if iLok can recover the licenses, you wouldn't need to go through the hassle of contacting developers.
There is an additional service called TLC that is included when you purchase ZDT, but you have to explicitly turn it 'on' for your iLok in the license manager. That will convert all your licenses on the dongle to temporary 3-month licenses (what I described in my earlier post). With this enabled, you
don't have to reach out to any developers and iLok will just give you permenant replacement licenses within a few days (you still need to have or purchase a new iLok though).
It's not perfect, but TLC enabled is the way to go IMO.