The Best Cooling Mattress Protector for Memory Foam
Memory foam traps heat, but a cooling mattress protector can keep you comfortable. We researched the best options, from bamboo protectors to gel toppers, to help you sleep cool and dry.
By Adrian Rogers
Updated September 10, 2026
Memory foam mattresses are beloved for their pressure-relieving support, but they have a well-known drawback: heat retention. The dense foam absorbs body heat, which can leave you waking up sweaty and restless.
A dedicated cooling mattress protector for memory foam solves this by combining a breathable, heat-dispersing layer with essential protection against spills, dust mites, and wear.
Instead of trapping warmth, these protectors actively wick moisture and promote airflow, helping your memory foam mattress stay comfortable all night.
At BestProducts, we’ve researched the market to find the best cooling mattress protectors that work specifically with memory foam, balancing cooling performance, durability, and a secure fit.
Below are our top picks, each scored on our 0, 10 BP Score based on expert consensus, verified buyer feedback, and published specifications. If you’re looking for broader bedding advice, our Sleep & Bedding guide covers everything from sheets to foundations.
For more dedicated cooling options, see our roundup of the best cooling waterproof mattress protector.
PlushDeluxe Bamboo King Mattress Protector
Crafted from natural bamboo fabric, this waterproof protector combines a soft, breathable feel with reliable moisture resistance. It's a practical choice for guarding mattresses up to 18 inches deep against spills, sweat, and daily wear.
Pros
- Ultra-soft bamboo fabric
- 100% waterproof protection
- Breathable and cooling
- Silent, no crinkling noise
- Fits deep mattresses up to 18 inches
Cons
- Only available in white
- No allergen protection claim
- Limited color options
Anluoer King Mattress Topper 2-Inch
This medium-thick 2-inch topper blends memory foam with hypoallergenic fiberfill for pressure relief and spinal support. Its cooling bamboo-rayon fabric helps hot sleepers stay comfortable, and the deep elastic skirt fits mattresses up to 21 inches without slipping.
Pros
- Cooling and breathable bamboo-rayon fabric
- Pressure-relieving memory foam and fiberfill blend
- Deep pockets fit wide range of mattress thicknesses
- Machine washable for simple maintenance
- Oeko-Tex certified for peace of mind
Cons
- Requires air-fluff time after unboxing for full loft
- Only 2 inches thick may not satisfy those wanting deeper cushion
- Not advertised as waterproof if used as a protector
Elegear Arc-Chill 3.0 Cooling Mattress Pad Queen
Designed for hot sleepers, this mattress pad uses Arc-Chill 3.0 fabric for instant cooling and a PCM layer to maintain a balanced temperature all night. The breathable 3D mesh and OEKO-TEX certified materials add to its appeal, while the deep pocket fit ensures it stays put.
Pros
- Instant cooling effect from Arc-Chill 3.0 fabric
- PCM layer regulates temperature throughout the night
- Breathable 3D mesh promotes airflow and reduces moisture
- OEKO-TEX certified for safety and skin-friendliness
- Deep pocket design fits mattresses up to 18 inches
Cons
- May have a slight new product scent that requires washing before use
Tempur-Pedic Waterproof Mattress Protector Queen
This Tempur-Pedic mattress protector combines waterproof protection with breathable ThermalSense fabric to guard against spills and stains while promoting airflow. Its stretchy mesh sides and deep pockets ensure a secure fit on queen mattresses up to 13 inches thick.
Pros
- Effective waterproof barrier
- Breathable fabric enhances comfort
- Deep pockets fit thick mattresses
- Easy to clean machine washable
Cons
- Limited color options only white
Tempur-Pedic TEMPUR-Adapt + Cooling 3-Inch Topper
This 3-inch queen topper uses Tempur-Pedic's softest TEMPUR-ES foam to conform to your body and enhance the comfort and support of any mattress. Its removable knit cover is cool to the touch and washable, and the portable design works well for dorms, camping, RVs, and overnight guests.
Pros
- Softest TEMPUR-ES material conforms to body
- Enhances comfort and support of any mattress
- Washable, cool-to-touch removable cover
- Up to 8 degrees cooler all night
- Queen size fits standard queen mattresses
Cons
- Core foam cannot be washed or dry cleaned
- Cover needs air drying or cool dryer setting
EGOHOME 3-Inch Queen Memory Foam Topper
Designed with gel cooling and ventilation holes, this memory foam topper helps regulate temperature while offering precise support for pressure points. The removable cover and non-slip base add convenience and stability, making it a solid choice for upgrading your mattress comfort.
Pros
- Precision support for spine and pressure points
- Gel cooling technology with ventilation
- Removable and washable cover
- Non-slip design with adjustable straps
- CertiPUR-US and OEKO-TEX certified
Missleep 4-Inch Dual Layer Memory Foam Topper
This 4-inch mattress topper combines a cooling gel memory foam base with a plush pillow-top layer for pressure relief and spinal alignment. It features a machine-washable cover and a deep-pocket skirt that fits mattresses up to 21 inches.
Pros
- Dual-layer for balance of support and softness
- Pressure relief for shoulders, hips, back
- Certified safe and breathable materials
- Machine-washable removable cover
- Stays in place with deep-pocket skirt
Cons
- Requires 48-72 hours to fully expand
- May have temporary off-gassing odor
- Only available in queen size
LUCID 3-Inch Gel Memory Foam Mattress Topper
A three-inch layer of plush memory foam infused with cooling gel to help regulate sleep temperature. Ventilated channels promote airflow, and CertiPUR-US certification ensures foam quality. Suitable for those wanting a softer, cooler sleep surface.
Pros
- Plush comfort layer adds softness
- Gel infusion helps keep sleep cool
- Ventilated design improves breathability
- CertiPUR-US certified foam material
- Simple unbox and decompress setup
Cons
- Full expansion takes 24 to 48 hours
- Only 3-inch height may not suit all preferences
- Waterproof protector recommended for best results
MATBEBY Queen Mattress Pad Cooling Breathable
This queen mattress pad combines a cooling, breathable design with a soft polyester microfiber fill to enhance comfort while protecting your mattress. Its deep pocket fit up to 21 inches and easy machine care make it a practical choice for everyday use.
Pros
- Soft and comfortable feel
- Cooling breathable construction
- Deep pocket fits up to 21 inches
- Easy machine washable care
- Durable for long-term use
Cons
- Cannot be ironed or dry cleaned
Coldwind Twin Mattress Topper Cover
This Coldwind mattress topper cover is designed to refresh an existing mattress topper, not replace the foam itself. It features a cooling viscose fabric top and 3D mesh backing with adjustable straps to keep everything in place. The YKK zipper and machine-washable construction add convenience.
Pros
- Cooling viscose fabric for breathability
- Machine washable for easy cleaning
- YKK zipper for smooth, durable closure
- Adjustable straps help secure the cover
Cons
- Only the cover, no foam topper included
Hanherry Cooling Waterproof King Mattress Cover
This Hanherry king mattress cover uses cooling yarn to draw heat away from your body, while a 100% waterproof TPU backing keeps liquids out without adding noise. The 3D air fabric feels soft, and the deep pocket secures mattresses up to 21 inches.
Pros
- Cooling yarn helps wick body heat
- Waterproof TPU backing blocks liquids
- Breathable and noiseless construction
- Fits mattresses up to 21 inches
DreamField Linen Queen Waterproof Bamboo Protector
For full mattress protection without sacrificing comfort, this zippered encasement from DreamField Linen uses bamboo-derived fabric to combine waterproofing with a soft, cool feel. It fits queen beds up to 18 inches deep and is designed to be noiseless, making it a practical choice for homes with kids or pets.
Pros
- 100% waterproof yet noiseless
- Ultra soft bamboo blend feels breathable and cool
- Full zippered coverage protects all sides
- Easy machine wash care
- Backed by satisfaction guarantee
Cons
- Available only in white
- Requires gentle cycle washing
Best Cooling Mattress Protector for Memory Foam Buying Guide
Cooling Technology
Not all cooling mattress protectors use the same method. Some rely on gel-infused memory foam to absorb and dissipate heat, while others use phase-change materials (PCM) that actively pull warmth away from your body.
Breathable fabrics like bamboo rayon, Tencel, or cotton sateen also help by allowing air to circulate. For memory foam sleepers, a protector with both conductive cooling (gel or PCM) and a breathable cover works best.
Look for terms like “cool-to-touch” or “Arc-Chill”, these indicate advanced cooling. For a deeper dive into airflow-focused designs, check out our favorite breathable mattress protector.
Waterproof vs. Breathable
A common concern with waterproof mattress protectors is that they can trap heat and feel plasticky. However, modern waterproof membranes (often polyurethane or TPU) are much more breathable than older designs.
The best cooling mattress protectors for memory foam use a waterproof backing that is also moisture-vapor permeable, meaning sweat can evaporate while liquids stay out.
If you need full protection without sacrificing airflow, prioritize protectors that explicitly advertise “breathable waterproof” construction. Our guide to the best waterproof breathable mattress protector explains the technology in detail.
Fit and Depth
Memory foam mattresses can be thicker than standard innerspring models, especially when you add a topper. A cooling mattress protector must have deep pockets, typically 8 to 21 inches, to fit securely without slipping.
Zippered encasements offer the most secure fit and protect all six sides, but fitted sheet-style protectors are easier to install. Measure your mattress height before buying. For a secure all-around fit, see our recommendations for the best zippered mattress protector.
Material and Comfort
The top fabric of a cooling mattress protector directly affects how it feels against your skin. Bamboo-derived rayon is soft, moisture-wicking, and naturally breathable. Cotton percale offers a crisp, cool feel.
Microfiber can be soft but may trap heat if not blended with cooling fibers. Memory foam sleepers often prefer a smooth, noiseless fabric that doesn’t crinkle. Hypoallergenic materials are also worth considering if you have allergies.
For a closer look at non-irritating options, read our review of the best hypoallergenic mattress protectors.
Care and Maintenance
A cooling mattress protector should be easy to clean to maintain its performance. Most are machine-washable, but check the label, some require gentle cycles or no fabric softener, which can clog cooling pores. Tumble drying on low is typical.
Protectors with removable covers (like those on toppers) add convenience. For long-term durability, avoid protectors with PVC backing, which can degrade over time.
If you’re concerned about chemical exposure, our guide to the best non toxic mattress protector can help. Also, if you’re adding a topper on top of your memory foam mattress, see our mattress toppers category for fitting advice.
Why You Should Trust Us
BestProducts is an independent review site that does not accept free products or payment for positive reviews. We evaluate each product against a consistent set of criteria and score it on our 0, 10 BP Score.
Our evaluations are grounded in research, published data, expert review consensus, and verified buyer feedback. We do not conduct our own product trials.
Every recommendation is the result of analyzing specifications, reading hundreds of user reviews, and comparing performance claims across dozens of models.
For more on how we review bedding products, visit our best mattress protector for every sleeper guide, where we explain our methodology in depth.
Final Thoughts
- Best Overall: PlushDeluxe Bamboo Waterproof Mattress Protector, This protector combines a silky bamboo cover with a breathable waterproof membrane, earning a top BP Score for its cooling comfort, secure fit, and excellent value. It’s the ideal all-around choice for memory foam mattresses.
- Best for Deep Memory Foam: Tempur-Pedic TEMPUR-Adapt + Cooling 3-Inch Topper, If you want to add cooling cushioning to your existing memory foam bed, this topper’s medium feel and washable cover make it a standout. Its BP Score reflects consistent positive feedback on temperature regulation.
- Best Budget Pick: Anluoer King Mattress Topper Memory Foam Pillow Top, At an affordable price, this topper offers gel-infused memory foam and a soft cover, making it a smart entry-level cooling solution for memory foam sleepers. It scored 9.9/10 for its balance of cost and performance.
- Best for Hot Sleepers: Elegear Cooling Mattress Pad with Arc-Chill 3.0, This pad uses advanced phase-change fabric to actively draw heat away, making it a top pick for those who sleep exceptionally hot. Its BP Score highlights its superior cooling technology.
- Best Zippered Protection: DreamField Linen Bamboo Mattress Protector with Zipper, For full encasement protection, this zippered cover keeps dust mites and allergens out while the bamboo surface stays cool. It earned a 9.8/10 for its airtight seal and softness.
For additional topper-specific advice, see our roundup of the best 3 inch memory foam mattress topper. If allergies are a concern, the best allergy mattress protector guide offers more options.
Frequently Asked Questions
Do I need a cooling mattress protector for memory foam?
Yes, if you find your memory foam mattress sleeps hot. A cooling mattress protector adds a breathable barrier that reduces heat buildup while still protecting your mattress from spills and allergens.
It’s a simple upgrade that can significantly improve sleep comfort without replacing the mattress.
What is the difference between a mattress protector and a topper?
A mattress protector is a thin, fitted cover that goes directly over the mattress to shield it from stains, dust mites, and wear. A mattress topper is thicker and adds cushioning or cooling properties on top of the mattress.
Some toppers have removable, washable covers that function like protectors. For memory foam, you can use both, a protector under the topper or a topper with a built-in cover.
For more on the distinction, see our guide to the best bed bug mattress protector, which explains the protective layer.
How do I choose the right size for a cooling mattress protector?
Measure your mattress’s length, width, and depth. Most protectors list compatible mattress depths (e.g., 8, 21 inches).
For memory foam, which often sits on a box spring or adjustable base, ensure the protector’s elastic skirt or zipper accommodates the total height. If you have a mattress topper, measure the combined height of mattress + topper.
For sizing tips, the best Tencel mattress protector guide includes a detailed fit section.
Can a cooling mattress protector help with night sweats?
Yes, a cooling mattress protector with moisture-wicking fabric and a breathable waterproof layer can reduce night sweats by allowing sweat to evaporate rather than pool. Pair it with moisture-wicking sheets for best results.
For those with persistent night sweats, the best anti allergy mattress protector can also help by reducing allergen-induced sweating.
How do I care for a cooling mattress protector?
Most cooling mattress protectors are machine-washable in cold or warm water. Avoid bleach and fabric softener, which can damage the cooling coating or waterproof membrane. Tumble dry on low heat. Some protectors with phase-change materials may require air drying.
Always check the care label. For long-lasting cooling performance, wash every 1, 2 months or as needed.
About the author
Adrian covers mattresses and toppers for BestProducts, weighing support, motion isolation, cooling, and the trial and warranty terms behind each brand. He helps sleepers match firmness to their position and their partner.