Cover ( 10 ) for baby held in front-carried carrier ( 100 ; or car seat/carrier 200 , FIG. 8 , etc.) suspended at adult user's front including two, top, substantially triangular, front ( 70 ) sub-panels ( 21 ) forming, alternatively, sealing collar ( 21' ) when positioned about baby's neck (FIG. 4 ), or hood ( 21 '') about baby's head when pulled up and snap connected ( 22 , FIG. 5 ). The cover includes shoulder straps ( 31 ), front straps ( 41 ), stowing sleeves ( 42 ), waist straps ( 51 ) providing four-point carrier attachment, interior zippered pouch ( 61 ), cinches ( 75 ), side "pocket" slits ( 76 ) & elastic bands ( 77 ) in expandable, accordion sides ( 74 ). A central band ( 31 ) of heavy duty material provides structural support. Cover's rear ( 71 ) has "cut-out" ( 72 ) allowing cover to be slipped under front-carried carrier and over baby in carrier, with two, vertically spaced, strap sets connecting cover directly to carrier's body attachment straps (e.g., 101, 103 ) and not directly to user.