Once a good provider -- Not anymore. Any review I may have written endorsing them is now take back. When I appeal the claim they do not even evaluate the proper leg (in writing) and completely ignore my doctors note on the bone spurs on top of hip dysplasia (covered by the policy). My little fella was covered from day one and now they are denying claims. I will submit to my state for Appeal. I ask how can the Chief Underwriter on behalf of RLI Corporation assess the wrong hips and put that in writing as her basis. YOU DECIDE -- do you want to take this chance with Embrace?