A modular bedding system for small animal cages, comprising a plurality of typically washable, absorbent, rigid panels that are safe and appealing to the animal while insulating it from absorbed liquids. Each panel comprises a washable and soft outer layer, an absorbent inner layer, and a rigid central insert. In the preferred embodiment, the panel is symmetrical in that the absorbent inner layer is present on both sides of the rigid insert. The outer layer and the inner absorbent layer(s) can be taken apart and washed separately. The panels may be moved around or flipped, depending on the animal's toilet habits and/or the owner's decor and cage maintenance preferences. The panels may also comprise other features that may be pleasant to an animal, such as extra bedding, a hill, a pocket for burrowing, or other features.
