If the dealer is showing an ace, the player will normally be offered Insurance as protection against a dealer 21. Basically meaning that if the dealers up card is an ace, the player is given the option to bet that the dealers down card values 10. Insurance wagers are normally limited to half of the players original bet. In most online casinos an insurance bet is made by clicking the insurance button. If you don’t want to take the insurance bet simply click on the Pass button to continue playing the hand.

If the dealer does have a natural 21 the player’s insurance bet will pay at 2:1. If the player also has a natural 21, the player looses the initial bet but breaks even with the insurance bet. This is why it is refereed to as insurance, it protects a players initial wager against a dealer 21. If the dealer doesn’t have a natural 21 the player looses the insurance bet and must continue to play the hand.

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