A disposable insulator for a cup having a sleeve including an insulating material to provide thermal insulation to the exterior of the cup, the sleeve having at least one finger pad made of the insulating material having a bottom edge, the finger pad being separable from the remainder of the sleeve and moveable from a first position to a second position, in the first position, the bottom edge of the finger pad being proximate to the bottom edge of the sleeve, and, in the second position the finger pad being foldable relative to the sleeve with the bottom edge of the finger pad positionable proximate to the top edge of the sleeve.