Abstract: An improved quilt comprising a first, second and third layer of material or fill providing a quilt having superior insulating capabilities and, thus, providing superior warmth to the user. These layers are comprised of at least one layer of fur or simulated fur disposed directly adjacent to a fill layer. Further, the quilt generally, but not necessarily, has a repeating pattern on the third layer of material disposed directly adjacent to the other side of said fill layer. The invention may be used, for example, as bedwear or throw as well as a lap robe.