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Injury Protection Betting Apps

Betting Apps with Injury Insurance

Betting apps are finding new ways to protect bettors from bad luck, especially when injuries strike. Several major betting apps now offer injury protection programs that refund or void bets when a player exits early due to injury. Here’s a closer look at how these features work and which sportsbook offers the best protection.
Jake Koehler Profile Image
Written by Jake Koehler Lead Content Writer
Updated: Jan 27, 2026

What is Injury Protection in Sports Betting?

Injuries are one of the most frustrating parts of sports betting. You can make the right call, read the matchup perfectly, and still lose because your player leaves early with a hamstring pull. That’s why some of the biggest sportsbooks in the U.S. have introduced injury protection programs. These are policies designed to protect bettors when a player exits early due to injury.

While the details vary from app to app, the goal is the same: to make sure an unlucky injury doesn’t ruin your bet completely. Whether it’s DraftKings’ Early Exit, FanDuel’s Bet Protect, Bet365’s Prop Protect, or Fanatics’ Fair Play, each program offers a unique spin on refunding or voiding impacted bets.

In this article, we’ll break down how these injury protection programs work, highlight the key differences between them, and help you decide which betting app gives you the most fair and reliable coverage when injuries strike.

Which Betting Apps Have Injury Protection Programs?

Several of the biggest names in sports betting now offer built-in protection when players get hurt. These features have quickly become a staple among the top betting apps, giving bettors more peace of mind during unpredictable games. Leading sportsbooks like DraftKings, FanDuel, Bet365, and Fanatics Sportsbook each have their own version of injury protection, and even Hard Rock Bet is exploring similar ways to safeguard player prop wagers.

Below, you’ll find a quick look at each sportsbook’s program and what makes them stand out.

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Betting apps with Injury Protection
Bonus
#1
10 x $100 Bet Matches in FanCash
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Get up to $1,000 in FanCash Over Your First 10 Days on Fanatics Sportsbook
21+. New customers in AZ/CO/CT/IL/IN/IA/KS/KY/LA/MA/MD/ MI/MO/NC/NJ/OH/PA/TN/VT/VA/WV/WY/DC only. Different offer available in other Fanatics Sportsbook states.
. Apply promotion in bet slip and place a $1+ cash wager (min odds -200) daily for 10 consecutive days starting day of account creation. FanCash rewards will equal the qualifying wager amount (max $100 FanCash/day). FanCash issued under this promotion expires at 11:59 p.m. ET 7 days from issuance.
See full Promo Terms and FanCash terms in the Fanatics Sportsbook app.
#2
Bet $5, Get $200 in Bonus Bets If Your Bet Wins
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Bet $5 and Get $200 in Bonus Bets if Your Bet Wins
21+ and present in most states (18+ in DC/KY/NH/WY). Must select Token BEFORE placing min. $5 bet to get max. $200 in Bonus Bets if your bet wins. Min. -500 odds req. Token and Bonus Bets are single-use and non-withdrawable. Bonus Bets expire in 7 days (168 hours) and stake is removed from payout.
Full T&C apply, visit DraftKings Sportsbook for more details.
#3
Bet $10, Get $150 or $1,000 First Bet Safety Net
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Choose your offer: Get $150 in Bonus Bets After Your First Real Money $5 Wager or Get up to $1,000 Back in Bonus Bets if Your First Wager Loses
21+ (18+ in KY). New customers only. Offer available in AZ/CO/IL/IN/IA/ KY/LA/MO/NC/OH/VA. Different offer(s) available in NJ/PA. $10 first deposit required within 30 days. Offer must be claimed via mobile app. Minimum wager of $5 required to claim the $150 Bonus Bets. Must contain at least one selection at odds of -500 or greater. Loss refunded as bonus bets up to $1,000 with Safety Net Offer. Bonus issued as non withdrawable bonus bets that expire in 7 days. Bonus Bets wager excluded from returns. See full T&C at Bet365. #ad
#4
Bet $5, Get $100 in Bonus Bets If Your Bet Wins
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Place a $5 Wager and Get $100 in Bonus Bets If Your Bet Wins
21+. New customers only. Offer(s) available in AZ/CO/CT/IA/IL/KS/KY/LA/MD/MA /MI/MONC/NJ/NY/OH/PA/TN/VT/WV/WY/DC. Alternative offer available in IN/VA
Minimum $5 first deposit required. Promotion bonus will be credited to your account within 72 hours of settlement of Qualifying Wager. First online real money wager only (minimum $5). Bonuses issued as non-withdrawable bonus bets that expire in 7 days.
See full T&C at FanDuel.
#5
Bet $10 Get $100 in Bonus Bets if You Win
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New players who register for an Account, make a deposit of at least $10, and place a cash wager of $10+ on any market(s) available on theScore Bet will earn $100 in Bonus Bets (defined below) if their wager(s) settle as a ‘Win’.
#6
Double Your Winnings on Your First 10 Bets
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Get 10x 100% Profit Boost Tokens up to $50 per bet
21+. New customers only. Offer available in AZ, CO, IL, IN, MI, NJ, OH, TN, or VA. Eligibility restrictions apply.
Sign up for Hard Rock Bet Sportsbook and receive ten 100% Profit Boost tokens, each valid on a cash wager up to $50. Profit Boosts apply to winnings only and must be manually applied in the bet slip. Boosts can be used on any available market, excluding boosted bets and round robins. Early Cash Out voids eligibility. Profit Boosts expire 7 days after issuance. Winnings paid as cash.
See full T&C at Hard Rock Bet.
Fanatics Sportsbook Square Logo 2025

Fanatics Fair Play

First Protection Program in the Industry

Fanatics’ Fair Play program was the first of its kind, the one that started the trend of protecting bettors from injuries. It set the standard that other sportsbooks now try to match, offering broad multi-sport coverage, generous protection windows, and automatic refunds when a player exits early and doesn’t return.

Unlike most imitators, Fanatics built Fair Play to feel fair from the start. It doesn’t just cover football; it extends to basketball, baseball, hockey, soccer, and more. The rules vary by sport, but generally, if your player leaves during the early portion of a game, the bet is voided or refunded automatically. That simple approach has made Fair Play one of the most trusted player protections in sports betting.

What stands out

  • First sportsbook to introduce injury protection

  • Applies across multiple sports and bet types

  • Generous timing windows, especially in the NFL

  • Automatic refunds or voided legs

What to keep in mind

  • Coverage rules differ by sport

  • Only injuries (not benchings or rest days) qualify

Claim $1000 offer Go to Fanatics Sportsbook Review →
Get up to $1,000 in FanCash Over Your First 10 Days on Fanatics Sportsbook
21+. New customers in AZ/CO/CT/IL/IN/IA/KS/KY/LA/MA/MD/ MI/MO/NC/NJ/OH/PA/TN/VT/VA/WV/WY/DC only. Different offer available in other Fanatics Sportsbook states.
. Apply promotion in bet slip and place a $1+ cash wager (min odds -200) daily for 10 consecutive days starting day of account creation. FanCash rewards will equal the qualifying wager amount (max $100 FanCash/day). FanCash issued under this promotion expires at 11:59 p.m. ET 7 days from issuance.
See full Promo Terms and FanCash terms in the Fanatics Sportsbook app.
draftkings logo square

DraftKings Sportsbook Early Exit

Next-Best Coverage Across Sports

DraftKings’ Early Exit was the second one to come along, and is the closest to Fanatics Fair Play in terms of what it covers. Instead of limiting coverage to one league or refunding in bonus bets, DraftKings gives players cash back when an athlete leaves early and doesn’t return. It’s built to protect prop and parlay bettors from bad breaks without adding extra steps. The feature applies automatically whenever the rules are met.

The program covers multiple sports, including football, basketball, baseball, and soccer, with each having its own injury window. For NFL and NBA bets, the player must exit during the first half. While the timing rules can be a bit tighter than Fanatics, the overall coverage is more flexible and rewarding than most.

What stands out

  • Refunds paid in cash, not bonus credits

  • Automatic protection on eligible bets

  • Works across multiple sports and bet types

What to keep in mind

  • Doesn't cover tennis like Fair Play does
Claim $200 offer Go to DraftKings Sportsbook Review →
Bet $5 and Get $200 in Bonus Bets if Your Bet Wins
21+ and present in most states (18+ in DC/KY/NH/WY). Must select Token BEFORE placing min. $5 bet to get max. $200 in Bonus Bets if your bet wins. Min. -500 odds req. Token and Bonus Bets are single-use and non-withdrawable. Bonus Bets expire in 7 days (168 hours) and stake is removed from payout.
Full T&C apply, visit DraftKings Sportsbook for more details.

Bet365 Prop Protect

Covers 3 major sports

Bet365’s Prop Protect gives NFL bettors a simple, automatic layer of insurance when injuries strike. It’s not as wide-ranging as Fanatics or DraftKings, but it is next in line by covering 3 sports rather than the typical 2. It's also the first on this list that has the downside of payment coming back in the form of bonus bets instead of cash.

If a player exits before halftime due to injury, Bet365 refunds single wagers as Bonus Bets and adjusts parlays by voiding the injured leg. It’s a focused feature meant for NFL, NBA, and NHL props, but for bettors who regularly target player markets, it adds a helpful cushion without requiring any opt-in.

What stands out

  • Automatic coverage on NFL, NBA, & NHL player props

  • Applies to straight bets and parlays

  • Keeps remaining legs alive in parlays

What to keep in mind

  • Refunds issued as Bonus Bets

  • Player must leave before halftime and not return

Claim $1000 offer Go to Bet365 Review →
Choose your offer: Get $150 in Bonus Bets After Your First Real Money $5 Wager or Get up to $1,000 Back in Bonus Bets if Your First Wager Loses
21+ (18+ in KY). New customers only. Offer available in AZ/CO/IL/IN/IA/ KY/LA/MO/NC/OH/VA. Different offer(s) available in NJ/PA. $10 first deposit required within 30 days. Offer must be claimed via mobile app. Minimum wager of $5 required to claim the $150 Bonus Bets. Must contain at least one selection at odds of -500 or greater. Loss refunded as bonus bets up to $1,000 with Safety Net Offer. Bonus issued as non withdrawable bonus bets that expire in 7 days. Bonus Bets wager excluded from returns. See full T&C at Bet365. #ad
Fanduel new logo square

FanDuel Bet Protect

Limited to First-Quarter Coverage

FanDuel’s Bet Protect offers a more limited but still valuable form of injury coverage. It’s focused on NFL & NBA player prop bets, giving bettors a safety net when a player leaves early and doesn’t return. While it doesn’t extend to many other sports, it provides a straightforward layer of protection where it matters most, the NFL and NBA.

Bet Protect has one clear disadvantage compared to the others. Only if your player exits during the first quarter due to injury, FanDuel steps in. Single bets are refunded as Bonus Bets, and if it’s part of a Same Game Parlay, that leg is removed, and the odds are recalculated. It’s a smaller-scale program than what the others offer, but for NFL bettors, it’s a welcome bit of insurance.

What stands out

  • Automatic coverage on NFL & NBA player props

  • Applies to straight bets and Same Game Parlays

  • Helps reduce risk of injury-related losses

What to keep in mind

  • Limited to NFL & NBA bets only

  • Refunds issued as Bonus Bets

  • Injury must occur in the first quarter

Claim $100 offer Go to FanDuel Sportsbook Review →
Place a $5 Wager and Get $100 in Bonus Bets If Your Bet Wins
21+. New customers only. Offer(s) available in AZ/CO/CT/IA/IL/KS/KY/LA/MD/MA /MI/MONC/NJ/NY/OH/PA/TN/VT/WV/WY/DC. Alternative offer available in IN/VA
Minimum $5 first deposit required. Promotion bonus will be credited to your account within 72 hours of settlement of Qualifying Wager. First online real money wager only (minimum $5). Bonuses issued as non-withdrawable bonus bets that expire in 7 days.
See full T&C at FanDuel.
Thescore bet logo square

theScore Bet Injury Insurance

Limited, but Effective Program

theScore Bet’s Injury Insurance offers a simple safety net for NFL & NBA prop bettors. If a player exits early and is ruled out for the remainder of the game, the app steps in to protect your stake. Straight bets are returned as Bonus Bets, while parlays have the injured leg removed and the remaining odds recalculated.

It’s a more targeted program than some competitors, focusing exclusively on NFL props, but it gives bettors a clear, automatic way to avoid losing due to early-game injuries.

What stands out

  • Automatic coverage on NFL & NBA player props

  • Applies to straight bets and parlays

  • Adjusts remaining legs in parlays instead of voiding the whole ticket

What to keep in mind

  • Limited to the NFL & NBA

  • Refunds issued as Bonus Bets

  • Bonus bets expire quickly

Claim $100 offer Go to theScore Bet Review →
New players who register for an Account, make a deposit of at least $10, and place a cash wager of $10+ on any market(s) available on theScore Bet will earn $100 in Bonus Bets (defined below) if their wager(s) settle as a ‘Win’.
Hard rock bet square logo

Hard Rock Bet Injury Insurance

Less valuable, but better than nothing

Hard Rock Bet’s Player Injury Insurance offers a basic level of protection for NFL and NBA player bets. It’s designed to soften the blow when an early injury ruins an otherwise solid wager, but the coverage is more limited than similar programs offered by other sportsbooks. When the injured player is the only reason a bet loses, Hard Rock Bet issues a Bonus Bet equal to the original stake.

Where this program falls short is how it handles parlays. Unlike injury protection programs that remove the injured leg and allow the rest of the ticket to pay out, Hard Rock Bet simply refunds the wager as a Bonus Bet. It provides some relief, but it offers less upside than other injury insurance options on the market.

What stands out

  • Covers both NFL and NBA player bets
  • Applies to straight bets and parlays
  • First half injury window

What to keep in mind

  • Parlays are refunded instead of recalculated
  • Only eligible if the injured player is the sole losing leg
  • Player must not return in the second half
  • Refunds are issued as Bonus Bets
Claim Hard Rock Bet offer Go to Hard Rock Bet Review →
Get 10x 100% Profit Boost Tokens up to $50 per bet
21+. New customers only. Offer available in AZ, CO, IL, IN, MI, NJ, OH, TN, or VA. Eligibility restrictions apply.
Sign up for Hard Rock Bet Sportsbook and receive ten 100% Profit Boost tokens, each valid on a cash wager up to $50. Profit Boosts apply to winnings only and must be manually applied in the bet slip. Boosts can be used on any available market, excluding boosted bets and round robins. Early Cash Out voids eligibility. Profit Boosts expire 7 days after issuance. Winnings paid as cash.
See full T&C at Hard Rock Bet.

Comparing Injury Protection Across Betting Apps

Not all injury protection programs are created equal. Some, like Fanatics’ Fair Play and DraftKings’ Early Exit, offer broad multi-sport coverage and cash refunds, while others, like FanDuel’s Bet Protect, Bet365’s Prop Protect, and theScore Bet’s Injury Insurance, focus primarily on NFL & NBA player props and refund via Bonus Bets. Timing windows, refund types, and eligible bet types all vary, so choosing the right sportsbook can make a big difference if a key player leaves early.

Betting AppProgram NameCoverage ScopeEligible BetsRefund TypeKey Notes
Fanatics SportsbookFair PlayMulti-sport (NFL, NBA, MLB, NHL, soccer, etc.)Player props, parlaysCashOriginal program, generous timing windows, automatic
DraftKings SportsbookEarly ExitMulti-sportPlayer props, parlaysCashBroad coverage, automatic application, strict NFL timing (1Q)
FanDuel SportsbookBet ProtectNFL & NBAPlayer props, parlaysBonus BetsFirst-quarter window, automatic, limited to NFL
Bet365Prop ProtectNFL, NHL, & NBAPlayer props, parlaysBonus BetsCovers props only, before halftime, automatic
theScore BetInjury InsuranceNFL & NBAPlayer props, parlaysBonus BetsFirst-half timing, automatic, refunds as bonus bets
Hard Rock BetInjury InsuranceNFL & NBAPlayer props, parlaysBonus BetsOnly initial wager is refunded

Which Program Is Right for Me?

Jake Koehler
Jake Koehler
Lead Content Writer

Choosing the best injury protection program depends on your betting habits. If you wager across multiple sports and want cash refunds, Fanatics’ Fair Play or DraftKings’ Early Exit are the most flexible and rewarding options.

If you are okay with receiving Bonus Bets instead of cash, FanDuel’s Bet Protect, Bet365’s Prop Protect, or theScore Bet’s Injury Insurance provides a reliable safety net.

Ultimately, the right program comes down to the sports you bet on, the type of bets you place, and whether you prefer cash or bonus credits for your refunds.

Final Thoughts on Injury Protection Programs

Injury protection programs represent a major shift in sports betting. For years, a single early-game injury could wipe out a perfectly researched bet, leaving bettors frustrated. These programs change that by giving players a built-in safety net, making betting feel fairer and less risky.

This trend also shows how betting apps are responding to customer demands for more player-friendly features. By automatically refunding or adjusting bets when a player exits early, apps are helping bettors feel more confident and engaged. Injury protection may not eliminate all the uncertainty in sports, but it softens the blow when bad luck strikes and signals a more thoughtful, customer-focused approach in the industry.

Injury Protection FAQs

What is injury protection in sports betting?

An injury protection program is a feature offered by some sportsbooks that refunds or adjusts your bet if a player exits a game early due to injury. It is designed to reduce the risk of losing a wager because of bad luck.

Which betting apps offer injury protection?

The major U.S. sportsbooks with injury protection include Fanatics Sportsbook, DraftKings, FanDuel, Bet365, and Hard Rock Bet. Each app has its own rules for coverage, timing, and refund types.

Does injury protection cover all sports?

Coverage varies by sportsbook. Some programs, like Fanatics Fair Play and DraftKings Early Exit, cover many sports, while others, such as FanDuel Bet Protect and theScore Bet Injury Insurance, focus mainly on NFL & NBA player props.

Are refunds given in cash or bonus bets?

It depends on the program. Fanatics and DraftKings issue cash refunds, while FanDuel and Bet365 provide refunds as Bonus Bets. Terms for bonus credits, such as expiration or wagering requirements, may apply.

How do I know if my bet qualifies for protection?

Bets qualify if they are placed on eligible player props or bets and if the player exits within the sportsbook’s specified timing window. For some apps, it's the first half of games, while for others it's the first quarter. Programs usually apply without the need to opt in, but always check each sportsbook’s rules before placing your bet.

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Jake Koehler Profile Image
Jake Koehler
Lead Content Writer

Sports have always been a major part of my life. I played football and basketball, and I'm an avid golfer. My love for sports naturally led to a passion for sports betting, which I've been doing for 8 years. Initially, I relied on offshore bookies in Oregon, but since the approval of legitimate sites in 2022, I understand the importance of using reliable betting apps. As a strong advocate for smart sports betting, I aim to guide bettors in the right direction.

I hold a Writing degree from Oregon State and a journalism certificate from Palomar College. My goal has always been sports journalism, and writing in the sports betting industry allows me to combine my skills and interests. So far, it has led me to some cool places, such as becoming a voter for the Maxwell Award (College Football Player of the Year).