A two panel convertible maternity coat that can be used by a woman before, after, and during pregnancy, a pregnancy panel, and a baby panel. Pregnancy is accommodated through the addition of the pregnancy panel between the front sides of the coat. The pregnancy panel is wider at the bottom and tapered toward the top. The two panel convertible maternity coat also can be used as a garment for covering both baby and mother, father, or other wearer though the addition of the baby panel between the front sides of the coat. The baby panel is shaped wider at the top and tapers down to a lower portion. Means are provided for readily fastening each panel separately to the coat so as to provide for ease in transitioning between the uses of the coat.