优奈（河濑茉希 配音）表面看上去是平平无奇的家里蹲网瘾少女，可实际上却是大型虚拟现实多人在线角色扮演游戏《幻想世界Online》中的骨灰级玩家。一天，优奈和往常一样登录游戏，却发现自己竟然莫名其妙的穿戴上了“熊熊套装”，虽然这熊里熊气的套装看上去非常的愚蠢，但这套装备却拥有着超强的属性，如果脱下这套装备，优奈在这个凶险的异世界里根本无法生存。 就这样，变身为熊熊少女的优奈展开了新的旅程，善良又身世可怜的女孩菲娜（和气杏未 配音）、拥有可爱外表却格外的坏心眼的诺雅儿（日高里菜 配音）、成熟稳重，品行高贵的大小姐米莎娜（天野聪美 配音），在此过程中，优奈结识了很多有趣的伙伴。
Kuma Kuma Kuma Bear revolves around a 15-year-old Yuna. One day, upon returning home, she is hyped for a new update for her favorite world's first VRMMO, World Fantasy Online. Ever since the game service began one year ago, she quit going to school and just passed time doing absolutely nothing, but playing the game. After the server's maintenance has been performed and a new update has become online, Yuna meets either a GM, or an NPC, telling her that all the players may receive a loot box and the reward will depend on how long they have been playing the game. Yuna receives a kuma costume, which she finds embarrassing at first, but later quickly forgets about that feeling, when she sees the stats of this costume, which are quite high. Having received the costume, she is also asked to take a survey: her attitude towards real life, her opinion on the game, if she believes in God and finally if she finds the kuma costume cute. Finally, she logs in the game and finds out that she wears ...
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