It's not the disconnect which is important. If all the players disconnect and stay disconnected, the wager falls to WGT. If both reconnect, the game continues. If only one reconnects to the lobby, he will win after 5 mins of idling.
Therefore, after a disconnect, you should try to reconnect via the game client - five mins time for that.
In case of a freeze, cancel the window or the whole browser and retry from there. Including a log-in, it should not last more than 2-3 mins.
In more severe cases, a reboot of the PC may be necessary. You better hurry because this may take some time.
Inactivity will be punished with a loss of the game and/or some credits.