Abstract: There is disclosed a thermal retaining fabric laminate which can be used as a hot or cold pack to impart heated or cooled treatment liquids to the skin of a user. The laminate consists in sequence of a skin contact layer for absorbing, holding, and delivering the treatment liquid, a nonporous or low porous first barrier layer, a reservoir layer for absorbing and holding heat retention liquid, and a nonporous second barrier layer. The laminate has an open edge. The barrier layers serve to inhibit the release of vapor while the fabric laminate is in contact with the skin of a user thereby decreasing heat loss resulting from evaporation and increasing the time that the fabric laminate retains its heat. In one embodiment, the first barrier layer between the skin contact layer and the reservoir layer is of low porosity which when the fabric laminate is heated rapidly allows for the escape of vapor so that the vapor pressure created in the reservoir layer will not delaminate the fabric laminate.