My dogs recline on my bed during the day and sleep with me. They do no damage other than leaving behind dirt, but the frequent washings are too hard on a quilt. My bed is covered in an inexpensive preprinted quilt from a big box store with pretty homemade pillowcases. When I complete a quilt for me, it will go on the couch in the LR and another on the wall in the family room, which has turned into my quilting room. I have a Trip Around the World in a guest room, but they don't get on that bed. Their beds are end to end on on side of my bed, but they sometimes slip over to sleep close to me.
I will not buy an inexpensive quilted cover. The laborers who do those don't work in good conditions and that's putting it mildly.