If you're going to depend solely on the Citibank travel insurance (or any other card's complimentary travel insurance), please read the policy document carefully. Even the top cards like MBB 2 Premier do not cover medical. And that tends to be your biggest risk while travelling.

If it's really insurance you're after, consider getting proper travel insurance (AXA Affin or MSIG). They actually provide proper cover and not just some token coverage to advertise "travel insurance". Not expensive, maybe per person about RM100 for a trip to RM400 for a year.

Take this from someone who has made more than his fair share of claims. Oh, and make sure you request and keep all your receipts/proof of delayed travel/lost items.