Abstract: A universal wearable fluid delivery system includes a body panel which includes a plurality of connection points. A fluid dispenser includes a taut pocket defined by at least one taut surface and a portion of a surface of the body panel and is adapted to receive a fluid bag. A stretch pocket is disposed within the taut pocket. The stretch pocket is defined between a surface of at least one stretch panel and about a common portion of the surface of the body panel and is adapted to receive a pressure infusion bag disposed within. At least one strap is coupled to the body panel via two connection points of the plurality of connection points to secure the fluid dispenser to a body of a human or animal patient. A wearable fluid delivery system and a fluid dispenser and body panel assembly are also described.