Here are some of the conditions covered by your membership with us.

Monarch Intermediaries is a membership for service – not an insurance policy. It is important to note that there are no exclusions for a pre-existing medical conditions. This service is available to each member and their eligible family members.The conditions covered vary by the coverage plan purchased so please review your membership information for complete clarification. Below is a sample of some of the conditions for which Monarch has offered a Second Opinion:

  • AIDS
  • Alzheimer’s disease
  • Amputation
  • Any life threatening condition or illness
  • Benign brain tumour
  • Cancer
  • Cardiovascular conditions
  • Chronic pelvic pain
  • Coma
  • Deafness
  • Emphysema
  • Hip and Knee replacement
  • Loss of Speech
  • Major burns
  • Major organ transplantation
  • Major trauma
  • Multiple sclerosis
  • Neuro-degenerative diseases
  • Paralysis
  • Parkinson’s disease
  • Renal insufficiency or kidney failure
  • Rheumatoid Arthritis
  • Stroke
  • Sudden blindness due to illness
  • Thrombophlebitis and Embolism


Mental Illness

According to the Public Health Agency of Canada, mental illness can be characterized by alterations in thinking, mood or behaviour associated with significant distress and impaired functions. According to the World Health Organization one in four people will be affected by mental or neurological disorder. Monarch Intermediaries understands that there is a lack of urgency and misinformation when it comes to mental disorders and are now providing medical second opinions on the following mental health diagnoses:

    • Anxiety Disorders
    • Attention Deficit Hyperactivity Disorder (ADHD)
    • Depression
    • Bipolar Disease
    • Obsessive Compulsive Disorder (OCD)