A multi-zone napkin is provided for use with a frozen treat mounted on a stick to absorb drips. A portion of the stick can be located through a mounting slot in the napkin. A distribution zone layer passes liquid through to an absorbent zone layer and may optionally be suitable for printing on a top surface, to display artwork or other messages. The absorbent zone layer retains liquid received from the distribution zone layer. A barrier zone layer can help to retain the liquid in the absorbent zone layer and prevent drips from contacting a user's hand. In addition to absorbing drips, the multi-zone napkin may provide insulation from cold and/or may be configured to provide a soft surface against a user's hand. The napkin may also be designed to inhibit drips from the frozen treat from running off the distribution zone layer.