A cold therapy pad should never be applied directly to skin as frostbite can occur. There should always be a barrier between the pad and skin. It can be a dishtowel, t-shirt or other material. The recommended product is an insulation barrier.
Insulation barriers are cut to the same size and shape as the cooling pad and are specifically designed for this purpose.
Insulation barriers for Intelli-flo pads can be found at http://www.vidacura.com/product/14804/379_Painmanagement_Hotandcoldpacks
Insulation barriers for wrapon pads can be found at http://www.vidacura.com/product/14795/379_Painmanagement_Hotandcoldpacks