Wearable communication technologies necessitate antenna designs that harmonize ergonomic compatibility, reliable performance, and minimal interaction with human tissues. However, high specific absorption rate (SAR) levels, limited radiation efficiency, and challenges in integration with flexible materials have significantly constrained widespread deployment. To address these limitations, this manuscript introduces a novel wearable cavity-backed substrate-integrated waveguide (SIW) antenna augmented with artificial magnetic conductor (AMC) structures. The proposed architecture is meticulously engineered using diverse textile substrates, including cotton, jeans, and jute, to synergistically integrate SIW and AMC technologies, mitigating body-induced performance degradation while ensuring safety and high radiation efficiency. The proposed design demonstrates significant performance enhancements, achieving SAR reductions to 0.672 W/kg on the spine and 0.341 W/kg on the forelimb for the cotton substrate. Furthermore, the AMC-backed implementation attains ultra-low reflection coefficients, as low as −26.56 dB, alongside a gain improvement of up to 1.37 dB, culminating in a total gain of 7.09 dBi. The impedance bandwidth exceeds the ISM band specifications, spanning 150 MHz (2.3–2.45 GHz). The design maintains remarkable resilience and operational stability under varying conditions, including dynamic bending and proximity to human body models. By substantially suppressing back radiation, enhancing directional gain, and preserving impedance matching, the AMC integration optimally adapts the antenna to body-centric communication scenarios. This study uniquely investigates the dielectric and mechanical properties of textile substrates within the AMC-SIW configuration, emphasizing their practicality for wearable applications. This research sets a precedent for wearable antenna innovation, achieving an unprecedented balance of flexibility, safety, and electromagnetic performance while establishing a foundation for next-generation wearable systems.