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What is Bet Insurance in Sports Betting?

Bet insurance, also known as “stake insurance” or “betting insurance,” is a feature offered by many bookmakers that allows bettors to protect a portion or the entirety of their stake in case their bet does not win. This tool is designed to give bettors a safety net, providing some financial security and peace of mind. In this article, we will delve into what bet insurance is, how it works, and its pros and cons.

Understanding Bet Insurance

Definition and Purpose

Bet insurance is essentially a refund policy for your bet. When you insure a bet, you pay an additional fee to the bookmaker, and in return, you get your stake (or a portion of it) back if your bet loses. This feature is particularly attractive to bettors who want to mitigate the risks associated with betting and prefer a more conservative approach.

How Bet Insurance Works

Step-by-Step Process

  1. Placing a Bet. Choose the event and the outcome you want to bet on, just like any other bet.
  2. Opting for Insurance. When placing your bet, you will often see an option to insure your bet. This can be done either for the full amount or a partial amount of your stake.
  3. Paying the Insurance Fee. The cost of the insurance varies depending on the event, odds, and the amount you want to insure. This fee is usually deducted from your account balance.
  4. Outcome of the Bet:
    • If You Win. You receive your winnings as usual, but the insurance fee is not refunded.
    • If You Lose. You receive the insured portion of your stake back to your account.


Suppose you place a $100 bet on a football match with odds of 2.00 (evens). If you choose to insure the entire stake, the bookmaker might charge you a fee of $10. Here’s how it works:

  • If your bet wins. You win $200 (your $100 stake x 2.00 odds). The insurance fee of $10 is not refunded.
  • If your bet loses. You get your $100 stake back, but the $10 insurance fee is lost.

Pros and Cons of Bet Insurance


  1. Reduced Risk. Bet insurance provides a safety net, allowing bettors to recover their stakes in case of a loss.
  2. Peace of Mind. Knowing that your stake is protected can lead to more confident betting decisions.
  3. Bettors can choose to insure part or all of their stake, providing flexibility based on their risk tolerance.


  1. The insurance fee can be high, reducing the overall profitability of your bets.
  2. Lower Net Winnings. Since the insurance fee is non-refundable, it eats into your net winnings when your bet wins.
  3. Not all bookmakers offer bet insurance, and the terms can vary significantly between those that do.

When to Use Bet Insurance

Strategic Use Cases

  1. High-Stake Bets. When placing high-stake bets, the financial risk is significant. Insuring such bets can protect a large amount of money.
  2. Uncertain Outcomes. If you are betting on an event with a highly uncertain outcome but still want to participate, insurance can mitigate potential losses.
  3. Conservative Betting Strategy. Bettors who prefer a more conservative approach might use insurance regularly to manage their risk effectively.


Bet insurance is a useful feature in sports betting that allows bettors to protect their stakes and manage risk more effectively. While it comes with additional costs, the peace of mind and reduced financial risk can be worthwhile for many bettors. By understanding how bet insurance works and when it makes sense to use it, you can make more informed betting decisions and enhance your overall betting strategy. As with any betting tool, it’s important to weigh the costs and benefits carefully to ensure it aligns with your betting goals and risk tolerance.