Do You Lose a Bet If It Goes to Overtime?
Do You Lose a Bet If It Goes to Overtime?
Not necessarily. Whether a bet wins, loses, pushes, or remains undecided after overtime depends on the exact market and your sportsbook’s rules. The core rule is simple: full-game bets usually include overtime; bets tied to regulation, a half, or a quarter usually do not.
The general rule
Most sportsbooks use the principle that all bets include overtime unless otherwise stated. That means a standard full-game moneyline, point spread, total, and most player props are settled using the final score after overtime—not the score at the end of regulation.
So if you bet an NFL over and the game is tied after regulation, overtime points can push the total over and make your bet a winner. Likewise, if you backed a team on the moneyline and it wins in overtime, you win.
Bets that include overtime
These markets normally remain live until the game has an official final result:
- Full-game moneyline
- Full-game point spread
- Full-game over/under total
- Most player props, such as points, rebounds, yards, goals, or shots
- Hockey puck line and totals, with shootout rules applied by the sportsbook
- Many second-half bets, though rules can vary by sport and book
For example, if you bet a team -2 and it trails by one after regulation but wins by five in overtime, your spread bet wins because the final margin includes overtime.
Bets that exclude overtime
Some wagers are settled before overtime even begins. These usually include:
- First-quarter and first-half bets
- Fourth-quarter bets in many sportsbooks
- Markets labeled “regulation only,” “60 minutes only,” or “90 minutes only”
- Three-way soccer match-result bets, where a draw after regulation is a distinct outcome
- Certain second-half markets, depending on the sportsbook
If you bet a soccer team on a standard three-way line and the match reaches extra time, your bet loses because the 90-minute result was a draw.
When overtime can cause a push
A tie can create a push rather than a loss. In an NFL regular-season game that ends tied after overtime, a standard two-way moneyline is commonly graded as a push, meaning your stake is returned.
However, if you placed a three-way moneyline bet—Team A, Team B, or Tie—a tie is usually a loss for either team selection because “Tie” was its own betting option.
Hockey and shootouts
Hockey is a special case. A regulation three-way moneyline bet loses if the game goes to overtime, because the regulation result was a draw. But full-game moneyline, puck line, and total bets generally include overtime and shootouts.
A -1.5 puck line bet is automatically a loser once the game reaches overtime, since the winning margin can no longer be two or more goals.
Check the market label
The safest habit is to read the market description before placing the wager. Look for wording such as:
- “Includes overtime”
- “Excludes overtime”
- “Regulation only”
- “60 minutes only”
- “90 minutes only”
If nothing excludes overtime, assume the full-game result governs the bet.
Bottom line
You do not automatically lose a bet because a game goes to overtime. Full-game bets usually include it, while quarter, half, and regulation-only bets usually do not. The exception that matters most is a tie: in some sports and markets, overtime can produce a push rather than a win or loss.
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