At , Monarch was one of the largest cruise ships in the world at time of her completion. She could carry up to 2,744 passengers.
Monarch had an outdoor basketball court, two shuffleboard courts, and a rock climbing wall. There were also two full-sized salt water pools. She was refurbished in May 2003 to add the rock-climbing wall. The fitness center, spa and children's area were also enlarged. Prior to being retired from the Royal Caribbean International fleet, Monarch of the Seas (as she was then called) sailed to the Bahamas out of Port Canaveral, Florida.
In 2007, Monarch became the first major cruise ship in the world to be captained by a woman, the Sweden Karin Stahre-Janson, who remained the only one until 2010 when the United Kingdom captain Sarah Breton took charge of of P&O Cruises.
On 1 April 2013, after serving for Royal Caribbean International for 22 years, Monarch was transferred to Spain's Pullmantur Cruises, joining her sister ship . Before sailing for Pullmantur, Monarch underwent another refurbishment to some of her cabins, casino and shops. She began sailing year-round in the Southern Caribbean on 27 April 2013.
In 2020, amid the COVID-19 pandemic, Monarch and were placed into "cold lay-up" and Pullmantur Cruises filed for financial reorganization. According to reports, the interiors of the ships were stripped of "everything of value". Pullmantur Cruises announced that MS Monarch, MS Sovereign and MS Horizon were to be sold to breakers for scrap in Aliağa, Turkey. She was beached on 22 July 2020 and scrapping started on 5 April 2021 with the removal of the pilot's cabinet.
The ship was intentionally grounded on a sandbar to prevent further sinking. All passengers were evacuated by crew members and local tender operators. There were no deaths. The grounding breached two of the ship's diesel fuel tanks and an overflow tank causing a small fuel spill of approximately . There was also severe damage to the ship. A joint investigation by the Norwegian Maritime Investigator and the United States Coast Guard found that the accident was due to "…a myriad of human performance deficiencies." Reports also indicate that navigation out of the port was done visually rather than using of electronic navigation and that the relocation of a vital buoy was not reflected on charts.
The ship was for repairs for three months at Atlantic Marine's Mobile, Alabama, facilities. 114 of the ship's compartments had to be cleaned. The work also included replacement of machinery, 460 tons of shell plating, and of electrical wiring.
Americans comedian John Pinette was aboard the ship at the time of the incident, referencing it in his 2005 DVD 'I Say Nay Nay'.
On 17 April 2020, a Honduran crew member died of the virus in a hospital in Panama City. He had been medically evacuated after having trouble breathing, and tested positive at the hospital.
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