Unlike payouts in craps and roulette, which change based on the type of bet you make, Pai Gow Poker payouts are simple to remember: you’re paid even money if you win. It doesn’t matter if you’re holding a pair, full house, or royal flush. Mar 18, 2015 Fortune pai gow poker is a popular variant played in casinos today. The game is exactly like pai gow poker with the exception of an optional fortune bonus side bet.
- Pai Gow Poker Bonus Bet
- Pai Gow Poker Bonus Payouts
- Pai Gow Poker Side Bet Payouts 2017
- Pai Gow Poker Side Bet Payouts
- Pai Gow Poker Layout
- Pai Gow Poker Side Bet Payouts Today
The infamous Pai Gow Insurance is a new version of Pai Gow Poker offered at Station Casinos in Las Vegas. This game first debuted at Red Rock in the summer of 2008 and has since grown in popularity. The game is pending review by the New Jersey gambling commissions for inclusion in Atlantic City casinos. For the time being, to the best of our knowledge, the game is only available sparingly in Las Vegas casinos.
Pai Gow Insurance is played exactly like Pai Gow Poker; however, there is an optional side-bet which pays out if a player is dealt a Pai Gow hand. If you’re not familiar with the term “Pai Gow Hand” this is a non ranking hand (high card only) meaning no pairs, no straights, no flushes.
The payouts for Pai Gow Insurance are:
Pai Gow Poker Bonus Bet
9 High Pai Gow – 100 to 1
10 High Pai Gow – 25 to 1
J High Pai Gow – 15 to 1
Q High Pai Gow – 7 to 1
K High Pai Gow – 5 to 1
A High Pai Gow – 3 to 1
Las Vegas Casinos offering Pai Gow Insurance side-bets: Red Rock, Aliante Station, Palace Station, Boulder Station, Texas Station and Sunset Station.
We frequently visit casinos all over North America. While it’s likely there are others offering this game, at this time these are the only ones we know of.
Where to Play Pai Gow Insurance Online
There are no reputable or safe options for playing Pai Gow with an insurance side bet online. We will update this page as soon as we hear of somewhere that does offer the game.
Fortune Pai Gow
Many Pai Gow Insurance tables also offer the fortune side bet. This is a seperate side-bet with the following pay-table:
If you’re interested in learning how to play Pai Gow visit our pages: Learn Pai Gow Poker and Pai Gow Poker Strategy.
Pai Gow Poker Bonus Payouts
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On This Page
Introduction
'Fortune' is a side bet in Pai Gow Poker that pays based on the value of the player's seven cards. It doesn't not matter how the player sets his hand. In addition, if another player has a four of a kind or better the player making the Fortune bet will get an 'Envy Bonus.' At every table I have seen there is a $5 minimum and the Envy Bonus is a fixed amount.
Following are pay tables that I am aware of, based on the player's own hand. Wins are on a 'to one' basis.
Fortune Pay TablesExpand
| Hand | Pay Table | |||||||
|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
| Natural 7 Card S/F | 5,000 to 1 | 8,000 to 1 | 5,000 to 1 | 2,500 to 1 | 5,000 to 1 | 5,000 to 1 | 8000 to 1 | 1000 to 1 |
| Royal Flush + R/M | 1,000 to 1 | 2,000 to 1 | 2,000 to 1 | 1,000 to 1 | 2,000 to 1 | 1,000 to 1 | 2000 to 1 | 750 to 1 |
| Wild 7 Card S/F | 750 to 1 | 1,000 to 1 | 1,000 to 1 | 750 to 1 | 1,000 to 1 | 500 to 1 | 1000 to 1 | 500 to 1 |
| 5 Aces | 250 to 1 | 400 to 1 | 400 to 1 | 250 to 1 | 400 to 1 | 300 to 1 | 400 to 1 | 250 to 1 |
| Royal Flush | 100 to 1 | 150 to 1 | 150 to 1 | 125 to 1 | 150 to 1 | 110 to 1 | 100 to 1 | 150 to 1 |
| Straight Flush | 50 to 1 | 50 to 1 | 50 to 1 | 50 to 1 | 50 to 1 | 45 to 1 | 30 to 1 | 50 to 1 |
| 4 of a Kind | 20 to 1 | 25 to 1 | 25 to 1 | 25 to 1 | 25 to 1 | 25 to 1 | 20 to 1 | 25 to 1 |
| Full House | 5 to 1 | 5 to 1 | 5 to 1 | 5 to 1 | 5 to 1 | 5 to 1 | 5 to 1 | 5 to 1 |
| Flush | 4 to 1 | 4 to 1 | 4 to 1 | 4 to 1 | 4 to 1 | 4 to 1 | 4 to 1 | 4 to 1 |
| 3 of a Kind | 3 to 1 | 3 to 1 | 3 to 1 | 3 to 1 | 3 to 1 | 3 to 1 | 3 to 1 | 3 to 1 |
| Straight | 2 to 1 | 2 to 1 | 2 to 1 | 2 to 1 | 2 to 1 | 2 to 1 | 2 to 1 | 2 to 1 |
| Three Pair | Push | Loss | Loss | Loss | Loss | Loss | Loss | 1 to 1 |
The next table shows the Envy Bonus for each paytable.
Fortune Envy BonusesExpand
| Hand | Pay Table | |||||||
|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
| Natural 7 Card S/F | $1000 | $5000 | $3000 | $1000 | $2500 | $2500 | $5000 | $500 |
| Royal Flush + R/M | $250 | $1000 | $1000 | $750 | $500 | $500 | $1000 | $250 |
| Wild 7 Card S/F | $100 | $500 | $500 | $250 | $250 | $250 | $500 | $150 |
| 5 Aces | $50 | $250 | $250 | $100 | $150 | $150 | $250 | $100 |
| Royal Flush | $25 | $50 | $50 | $50 | $55 | $55 | $50 | $50 |
| Straight Flush | $10 | $20 | $20 | $20 | $25 | $25 | $20 | $20 |
| 4 of a Kind | $5 | $5 | $5 | $5 | $6 | $6 | $5 | $5 |
The next table shows the number of combinations, probability, and contribution to the return for each hand, under pay table 2, which I believe to be the most popular. The lower left cell shows a house edge of 7.77% before considering the Envy Bonus.
Pay Table 2 -- Return Table
| Hand | Pays | Combinations | Probability | Return |
|---|---|---|---|---|
| Natural seven-card straight flush | 8,000 | 32 | 0.00000021 | 0.00166079 |
| Royal Flush + R/M | 2,000 | 72 | 0.00000047 | 0.00093420 |
| Wild seven-card straight flush | 1,000 | 196 | 0.00000127 | 0.00127155 |
| Five Aces | 400 | 1,128 | 0.00000732 | 0.00292715 |
| Royal Flush | 150 | 26,020 | 0.00016880 | 0.02532063 |
| Straight flush | 50 | 184,644 | 0.00119787 | 0.05989370 |
| Four of a Kind | 25 | 307,472 | 0.00199472 | 0.04986795 |
| Full house | 5 | 4,188,528 | 0.02717299 | 0.13586494 |
| Flush | 4 | 6,172,088 | 0.04004129 | 0.16016517 |
| Three of a kind | 3 | 7,672,500 | 0.04977518 | 0.14932555 |
| Straight | 2 | 11,034,204 | 0.07158417 | 0.14316833 |
| Three pair | -1 | 2,862,000 | 0.01856717 | -0.01856717 |
| All other | -1 | 121,694,196 | 0.78948855 | -0.78948855 |
| Total | 0 | 154,143,080 | 1.00000000 | -0.07765575 |
The next table shows the return table for the Envy Bonus under pay table 2, based on a $5 bet. The lower right cell shows that each additional player at the table is worth 0.93%, based on a $5 bet. If the player bets more than $5 the value of the Envy Bonus equals 0.04634162/b, where b is the amount bet.
Envy Return Table -- Paytable 2
| Hand | Pays | Combinations | Probability | Return |
|---|---|---|---|---|
| Natural seven-card straight flush | $5,000 | 32 | 0.00000021 | 0.00020760 |
| Royal Flush + R/M | $1,000 | 72 | 0.00000047 | 0.00009342 |
| Wild seven-card straight flush | $500 | 196 | 0.00000127 | 0.00012715 |
| Five Aces | $250 | 1,128 | 0.00000732 | 0.00036589 |
| Royal Flush | $50 | 26,020 | 0.00016880 | 0.00168804 |
| Straight flush | $20 | 184,644 | 0.00119787 | 0.00479150 |
| Four of a Kind | $5 | 307,472 | 0.00199472 | 0.00199472 |
| Total | 519,564 | 0.00337066 | 0.00926832 |
The next table shows the contribution for each hand under all seven pay tables, before considering the Envy Bonus.
Fortune Pai Gow Poker Return — Expected ReturnsExpand
Pai Gow Poker Side Bet Payouts 2017
| Hand | Pay Table | |||||||
|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
| 7 Card Straight Flush | 0.001038 | 0.001661 | 0.001038 | 0.000519 | 0.001038 | 0.001038 | 0.001661 | 0.000208 |
| Royal Flush + Royal Match | 0.000467 | 0.000934 | 0.000934 | 0.000467 | 0.000934 | 0.000467 | 0.000934 | 0.00035 |
| 7 Card Straight Flush with Joker | 0.000954 | 0.001272 | 0.001272 | 0.000954 | 0.001272 | 0.000636 | 0.001272 | 0.000636 |
| 5 Aces | 0.001829 | 0.002927 | 0.002927 | 0.001829 | 0.002927 | 0.002195 | 0.002927 | 0.001829 |
| Royal Flush | 0.01688 | 0.025321 | 0.025321 | 0.021101 | 0.025321 | 0.018568 | 0.01688 | 0.025321 |
| Straight Flush | 0.059894 | 0.059894 | 0.059894 | 0.059894 | 0.059894 | 0.053904 | 0.035936 | 0.059894 |
| 4 of a Kind | 0.039894 | 0.049868 | 0.049868 | 0.049868 | 0.049868 | 0.049868 | 0.039894 | 0.049868 |
| Full House | 0.135865 | 0.135865 | 0.135865 | 0.135865 | 0.135865 | 0.135865 | 0.135865 | 0.135865 |
| Flush | 0.160165 | 0.160165 | 0.160165 | 0.160165 | 0.160165 | 0.160165 | 0.160165 | 0.160165 |
| 3 of a Kind | 0.149326 | 0.149326 | 0.149326 | 0.149326 | 0.149326 | 0.149326 | 0.149326 | 0.149326 |
| Straight | 0.143168 | 0.143168 | 0.143168 | 0.143168 | 0.143168 | 0.143168 | 0.143168 | 0.143168 |
| Three Pair | 0 | -0.018567 | -0.018567 | -0.018567 | -0.018567 | -0.018567 | -0.018567 | 0.018567 |
| All Other | -0.789489 | -0.789489 | -0.789489 | -0.789489 | -0.789489 | -0.789489 | -0.789489 | -0.789489 |
| Total | -0.080008 | -0.077656 | -0.078279 | -0.0849 | -0.078279 | -0.092855 | -0.120027 | -0.044292 |
The next table shows the return table for the Envy Bonus, based on a $5 bet. The bottom row shows how much the house edge is reduced for each other player at the table.
Fortune Pai Gow Poker Envy Bonus — Expected ReturnsExpand
| Hand | Pay Table | |||||||
|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
| 7 Card Straight Flush | 0.000042 | 0.000208 | 0.000125 | 0.000042 | 0.000104 | 0.000104 | 0.000208 | 0.000021 |
| Royal Flush + Royal Match | 0.000023 | 0.000093 | 0.000093 | 0.00007 | 0.000047 | 0.000047 | 0.000093 | 0.000023 |
| 7 Card Straight Flush with Joker | 0.000025 | 0.000127 | 0.000127 | 0.000064 | 0.000064 | 0.000064 | 0.000127 | 0.000038 |
| 5 Aces | 0.000073 | 0.000366 | 0.000366 | 0.000146 | 0.00022 | 0.00022 | 0.000366 | 0.000146 |
| Royal Flush | 0.000844 | 0.001688 | 0.001688 | 0.001688 | 0.001857 | 0.001857 | 0.001688 | 0.001688 |
| Straight Flush | 0.002396 | 0.004791 | 0.004791 | 0.004791 | 0.005989 | 0.005989 | 0.004791 | 0.004791 |
| 4 of a Kind | 0.001995 | 0.001995 | 0.001995 | 0.001995 | 0.002394 | 0.002394 | 0.001995 | 0.001995 |
| Total | 0.005398 | 0.009268 | 0.009185 | 0.008796 | 0.010674 | 0.010674 | 0.009268 | 0.008703 |
The next table shows the house edge for each pay table by total players (including yourself).
Fortune Bet Overall House EdgeExpand
| Total Players | Pay Table | |||||||
|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
| 6 | 5.30% | 3.13% | 3.24% | 4.09% | 2.49% | 3.95% | 7.37% | 0.08% |
| 5 | 5.84% | 4.06% | 4.15% | 4.97% | 3.56% | 5.02% | 8.30% | 0.95% |
| 4 | 6.38% | 4.99% | 5.07% | 5.85% | 4.63% | 6.08% | 9.22% | 1.82% |
| 3 | 6.92% | 5.91% | 5.99% | 6.73% | 5.69% | 7.15% | 10.15% | 2.69% |
| 2 | 7.46% | 6.84% | 6.91% | 7.61% | 6.76% | 8.22% | 11.08% | 3.56% |
| 1 | 8.00% | 7.77% | 7.83% | 8.49% | 7.83% | 9.29% | 12.00% | 4.43% |
Fortune Pai Gow Poker Progressive -- Version 1
I have an unconfirmed report that the following pay table is offered in Washington State. The bet amount is $1, nd there is no Envy Bonus. The following return table shows the return from the fixed wins only is 48.45%. For every $10,000 in the meter, the return will go up by 0.76%. The break-even meter (when there is no house edge) is $679,171.90
Fortune Pai Gow Poker House Edge
| Event | Pays | Combinations | Probability | Return |
|---|---|---|---|---|
| 7 Card Straight Flush | 100% of meter | 32 | 0.00000021 | 0 |
| Royal Flush + Royal Match | 50% of meter | 72 | 0.00000047 | 0 |
| 7 Card Straight Flush with Joker | 25% of meter | 196 | 0.00000127 | 0 |
| 5 Aces | 2500 | 1128 | 0.00000732 | 0.01829469 |
| Royal Flush | 200 | 26020 | 0.0001688 | 0.03376084 |
| Straight Flush | 100 | 184644 | 0.00119787 | 0.11978741 |
| 4 of a Kind | 75 | 307472 | 0.00199472 | 0.14960386 |
| Full House | 6 | 4188528 | 0.02717299 | 0.16303793 |
| All Other | 0 | 149434988 | 0.96945635 | 0 |
| Total | 154143080 | 1 | 0.48448473 |
Fortune Pai Gow Poker Progressive - Version 2
This is a $1 progressive jackpot bet I have seen at the Wynn, Rampart, Golden Nugget, and Suncoast casinos. Wins are paid on a 'for one' basis, in other words the player doesn't get his bet back if he wins. The return column shows the return for only fixed wins. In other words, not including the top two awards, the player can expect to get back 46.27% of his money back.
Fortune Pai Gow Poker House Edge
| Event | Pays | Combinations | Probability | Return |
|---|---|---|---|---|
| Seven-card straight flush | Jackpot | 228 | 0.000001 | ? |
| Five aces | 10% of jackpot | 1,128 | 0.000007 | ? |
| Royal flush | $500 | 26,092 | 0.000169 | 0.084636 |
| Straight flush | $100 | 184,644 | 0.001198 | 0.119787 |
| Four of a kind | $75 | 307,472 | 0.001995 | 0.149604 |
| Full house | $4 | 4,188,528 | 0.027173 | 0.108692 |
| Loser | $0 | 149,434,988 | 0.969456 | 0.000000 |
| Total | 154,143,080 | 1.000000 | 0.462719 |
Pai Gow Poker Side Bet Payouts
The value of the jackpot is 2.21% for each $10,000 in the meter. The break-even meter (where there house edge is exactly zero) is $243,011.06. I have yet to see a jackpot get anywhere near this high.
Pai Gow Poker Layout
Internal Links
Pai Gow Poker Side Bet Payouts Today
- Pai gow poker — main page.
- Side bets — Lots of other side bets seen in pai gow poker.