Almost all travel insurance is reimbursment with some exceptions whereas the insurance company may (at theri discretion) offer a letter of ability to pay.
GeoBlue does have a worldwide network where they can direct pay. However, in your example of a heart attack in Paris) there is no way that the emergency responders are going to take you to a known in network facility. They're just going to take you to the closest Level 1 trauma facility.
And in an emergency, who in your group is going to sit back and think about that. But, to answer your question, many people here have GeoBlue. I don't, because it's not sold in my State.
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