Taz Zoe, shivering is the main thing, I think. A few days ago I hadn't started using jackets yet. We went on a lovely walk at a park we frequent. Stopped to chat with someone and realized Sugar was shivering. We'd been walking over half an hour! So it was time.
Also, certain breeds, you just KNOW. Like chihuahuas, bichons, maltese.
My Lacey will shiver at night if she can't manage to snuggle under the blankets with me. Have the heat on a timed thermostat, it drops to 65 over night. That is not cold, but enough to make them chilled.
Hope that helps!
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