A pet cover attached to an item of top bedding for a human and having access for a pet to enter under the pet cover. The pet cover may be permanently or releasably attached to the bed covering. The pet cover may be multi-layered fabric, including a water resistant fabric and/or fabrics impregnated with antibacterial, antimicrobial, pesticidal, or various other special purpose additives. Various shapes, attachments, and configurations are illustrated. The invention may be provided as a first kit with a bed covering for a human and multiple interchangeable pet covers. The invention may be provided as a second kit with user-installable fasteners for a legacy bed covering and one or more pet covers.
