The animal coat system comprises a two layer coat system for small animals or dogs. The bottom (base) layer provides warmth and also functions as a harness for the animal. Velcro type fasteners secure the base layer in place on the animal at several locations. The base layer has one or more D-rings allowing a leash to be attached. An upper layer attaches to the base layer at several points using Velcro, snap, or other fasteners. The upper layer has a keyhole opening so that the D-ring on the base layer can pass through to accommodate a leash. The upper layer is available in a variety of fabric types for providing extra warmth, weather protection, or fashion. The base layer can be used without the upper layer, but the upper layer cannot be used without the base layer.