Being an alcoholic or even being a moderate drinker has implications which could affect your insurance cover or the amount you would have to pay comparable to being obese. Any factor that can contribute to deteriorating health can either disallow your ability to get insurance or have you pay premiums at higher prices. Medical records that show several visits to a medical facility due to alcohol related injuries or injuries that have been brought about by alcohol dependence would be a point against you during your application for insurance cover. Alcohol use and abuse, is attributed to be a precursor for heart disease, liver problems and other illnesses which can ultimately end in death thus labels you as a high-risk individual.