What Are the Different Types of Mattress Covers?

Most people don’t think much about their Mattress Protector—until it’s too late. A spilled drink, a sweaty summer night, or worse, an unexpected stain, and suddenly you're wondering why you didn’t buy one sooner.

There’s more than one kind of mattress protector out there, though, and picking the right one can make all the difference. From basic spill guards to full Encasement Covers that block dust mites and allergens, here’s a breakdown of the most commontypes of mattress covers and what they’re really good for.

1. Vinyl Mattress Protector

Let’s start with the tough one. Vinyl mattress protectors are all about function. They’re completely waterproof, so if you're dealing with bedwetting, incontinence, or just want to guard against accidental spills, this is your safest bet.

• Who it’s for: Parents, caregivers, Airbnb hosts, anyone worried about liquids

• Upside: It does the job—no leaks, no stains

• Downside: Not the softest thing to sleep on unless you layer it under a fitted sheet or add a topper

Some people don’t love the “plastic” feel, but newer versions come with a quilted top or even soft fabric layers on top of the vinyl.

2. Fabric Mattress Protector

If you’re after comfort more than defense, a fabric mattress protector might be more your speed. These come in cotton, polyester, bamboo, and blends—and they’re usually breathable, soft, and easy to throw in the wash.

• Best for: Everyday use, people who run warm at night

• Popular options include:

  • Cotton protectors – Simple, soft, and natural

  • Bamboo protectors – Great for regulating temperature

  • Terry cloth versions – Often backed with a quiet waterproof membrane

A lot of these have hidden waterproof layers, usually made from TPU or PU, which help block spills without the noise or stiffness of vinyl. It’s a nice balance between comfort and practicality.

3. Zippered Encasement Covers

These aren’t your everyday protectors—they’re full mattress Encasements, and they zip around the entire mattress. If you’re dealing with allergies, bed bugs, or serious dust issues, this is the kind of cover you want.

• Ideal for: Allergy sufferers, pest protection, storage or moving

• Good to know:

  • Some come with bed bug-proof zippers

  • Materials vary—some are soft, others more utilitarian

They’re a bit more work to put on and take off, but if you’re worried about more than just spills, they offer solid all-around protection.

4. Cooling Mattress Protectors

Hot sleepers, this one’s for you. A cooling mattress protector helps regulate body temperature through breathable fabrics or phase-change materials. Bamboo, moisture-wicking polyester, or specially engineered cooling tech are common here.

• Great for: Summer months, hot sleepers, night sweats

• Bonus: Many also offer light waterproofing or moisture resistance

• Tip: Look for words like "breathable," "cool-touch," or "moisture-wicking" when shopping

They don’t all block big spills, so check the product description if you need that feature too.

5. Quilted Mattress Protectors

Think of this as the comfy layer. Quilted protectors add a bit of plush padding to your bed while still giving you a layer of protection. They're perfect if your mattress feels a bit too firm or just needs a soft touch.

• Best for: Added comfort, light spill protection, everyday use

• Materials: Microfiber, cotton blends, or down alternative fill

• Machine washable: Yes, and usually easy to care for

Some even double as a light mattress pad, so you’re getting two jobs done at once.

So, Which Mattress Protector Is Right for You?

Here’s a quick cheat sheet:

No matter what kind of sleeper you are, there’s a mattress protector that fits. From waterproof vinyl covers to breathable bamboo options, these covers do more than just guard against stains—they can improve the way your bed feels and even extend your mattress’s lifespan.

Final Thought

A mattress isn’t cheap. A protector is. Spending a little now on the right type of mattress cover—whether it’s a breathable fabric mattress protector, a fully sealed encasement, or a vinyl mattress protector—can save you a lot in the long run.

Looking to upgrade your bed protection?
Check out our full collection of high-quality, breathable, and waterproof mattress protectors—built for real life, and real sleep.