Extreme climates have become frequent nowadays, causing increased heat stress in human daily life. Personal thermal management (PTM), a technology that controls the human body's microenvironment, has become a promising strategy to address heat stress. While effective in ordinary environments, traditional high-performance fibers, such as ultrafine, porous, highly thermally conductive, and phase change materials, fall short when dealing with harsh conditions or large temperature fluctuations. Aerogels, a third-generation superinsulation material, have garnered extensive attention among researchers for their thermal management applications in building energy conservation, transportation, and aerospace, attributed to their extremely low densities and thermal conductivity. While aerogels have historically faced challenges related to weak mechanical strength and limited secondary processing capacity, recent advancements have witnessed notable progress in the development of wearable aerogels for PTM. This progress underscores their potential applications within extremely harsh environments, serving as self-powered smart devices and sensors. This Review offers a timely overview of wearable aerogels and their PTM applications with a particular focus on their wearability and suitability. Finally, the discussion classifies five types of PTM applications based on aerogel function: thermal insulation, heating, cooling, adaptive regulation (involving thermal insulation, heating, and cooling), and utilization of aerogels as wearable smart devices.