When you are going on a beach holiday, you want to make sure you have a good bathing suit or bikini. Check our article on the best bathings suits for women over 40 for that. However, just as important is to find the best bathing suit cover ups.

A great swimsuit cover up can help you to feel more confident on the beach or by the pool as well as ensuring that you can easily head from the beach to lunch. Below, you’ll find my favorite cover-ups as well as ways to wear them.

What to look for to find the best bathing suit cover ups?

Below are some of the requirements to think about when choosing a good bathing suit cover up:

Is it easy to put on?

my favorite beach cover up | 40plusstyle.com

You want adding your cover-up to your bathing suit to be easy and quick as you may be taking it on and off several times during the day.

Ideally it fits with your bathing suit

Why should coordinating your clothes stop at the beach? You could either choose a matching style of cover-up, or you could always opt for a neutral such as black or white which will go with all of your swimwear.

Or, of course, the other way around – a plain swimsuit and a patterned cover-up.

It needs to be stylish

Jodie wears a geometric print bathing suit cover-up | 40plusstyle.com

It goes without saying that you want to feel good about yourself, especially on the beach where you may be more conscious of your body. A great bathing suit cover up will give you confidence!

Jodie @jtouchofstyle above looks stylish in her geometric print three-quarter sleeve cover-up.

Recreate her look with this similar swimsuit, cover-up and tote.

It’s good for the beach but can also double as a stylish dress

Choose the right cover-up and you can wear for lunch or even dinner. Or, you could even style your cover-up as a long duster jacket for another outfit idea. Of course, not all bathing suit cover ups need to comply with this, but it’s nice to have a few options that can do this.

It needs to protect you from the sun

Psyche looking stylish in her black swimwear and cover up | 40plusstyle.com

Bathing suit cover ups shouldn’t just cover up the parts of your body you perhaps aren’t so confident about. They should also cover your shoulders and back to protect you from the sun and its aging effects

No matter which beach destination you choose, there is likely to be plenty of sun and beautiful beaches so coverups (and lots of sunscreen) are essential. Below are some of the best tunics and caftans for the beach this season.

Psyche @economyofstyle above wears swimsuit from Target and a glamorous coverup, topping off her outfit with a large floppy hat.

Take a look at this kimono that you can wear with this similar sun hat and sunglasses.

The best bathing suit cover ups to choose this season

Now that you’re thinking about the style and type of cover-up you might like, below you will find some of the most stylish swimsuit cover-ups to choose this season:

Short swimsuit cover-up

Sandra in a high-low bathing suit cover-up | 40plusstyle.com

A short swimsuit cover up that covers the most important areas is fabulous for strolling on the beach and would also look lovely worn over leggings with sandals for evening.

Sandra @lapecosapreciosa above opts for a high-low style that picks up the color of her swimsuit.

Steal her look with this similar swimsuit, cover-up and sunglasses.

Navy Caftan

I like the asymmetrical hem of the navy caftan below by La Blanca and the gold hardware at the neckline. You could wear this with your white jeans for an evening away from the beach.

Bathing suit cover ups - La Blance lace-up caftan | 40plusstyle.com

La Blanca lace-up caftan

sleeveless cover-up

If you like to cover up your belly but you are fairly confident about your upper arms, you could choose a sleeveless cover-up. The Tommy Bahama dress (below) has a draped style cut with a handkerchief hem.

Bathing suit cover ups - Tommy Bahama sleeveless cover-up dress | 40plusstyle.com

Tommy Bahama sleeveless cover-up dress

tunic cover-up

Gauzy and lightweight, the tunic style cover-up (below) will keep you covered up stylishly.

Bathing suit cover ups - Robin Piconne tunic cover-up | 40plusstyle.com

Robin Piconne tunic cover-up

hoodie cover-up

For a warmer and more casual cover up, how abot the striped cover-up (below) which could be ideal for cooler vacation spots.

Bathing suit cover ups - La Blanca slouchy hooded sweater cover-up | 40plusstyle.com

La Blanca slouchy hooded sweater cover-up

wrap cover-up

Wrap dresses are incredibly flattering for women of all body shapes. So, why not a wrap style cover-up? The Boden wrap (below) is super easy to slip on over your swimsuit.

Plus, you could easily wear it with leggings or pants for evening.

Bathing suit cover ups - Boden wrap cover-up | 40plusstyle.com

Boden wrap cover-up

blue cover-up

For a more boho style, Melissa Odabash is a good go-to. The cover-up (below) would work for the beach and with pants or jeans.

Bathing suit cover ups - Melissa Odabash cover-up caftan | 40plusstyle.com

Melissa Odabash cover-up caftan

printed cover-up

Tie-dye is particularly on-trend right now. But the Amazon cover-up dress (below) also comes in a huge range of colors and prints if you prefer.

Bathing suit cover ups - Ekouaer cover-up | 40plusstyle.com

Ekouaer cover-up

romper

Of course, you don’t just have to choose a top to cover up with at the beach. You could choose an all in one to wear over your swimsuit.

Bathing suit cover ups - Elan tie dye cover-up romper | 40plusstyle.com

Elan tie dye cover-up romper

dressses

Kimba in a caftan | 40plusstyle.com

Now, let’s take a look at some longer dresses you could choose to wear on the beach.

Kimba @kimbalikes above opts for a long caftan-style dress with her gold shoes.

Get her look with this similar dress, flats, sunhat and sunglasses.

maxi dress

A maxi cover up dress is a lovely chic option for the beach. This one doesn’t cover your shoulders so be sure to add plenty of sun protection, but it will be super stylish when you go for dinner on the beach in the evening.

Elan cover-up maxi dress | 40plusstyle.com

Elan cover-up maxi dress

midi cover-up

Midi lengths are very of-the-moment, and the vertical stripes and v-neck on the stripe dress (below). I like the asymmetrical hemline too.

L Space stripe dress | 40plusstyle.com

L Space stripe dress

wrap cover-up

For a glamorous option that would look lovely worn on the beach or with gold jewelry away from it, the Elan cover-up (below) is perfect.

Elan wrap maxi cover-up dress | 40plusstyle.com

Elan wrap maxi cover-up dress

off the shoulder

Tiered dresses are on-trend at the moment, but some aren’t flattering because of where the waistline sits.

The off-the-shoulder styling and the cinched waist of the ruffle dress (below) should be figure-flattering, particularly if you are a pear shape and want to balance out larger hips.

Elan off the shoulder ruffle cover-up dress | 40plusstyle.com

Elan off the shoulder ruffle cover-up dress

long sleeve dress

Many beach cover-ups are sleeveless. But, if you prefer to cover-up your upper arms because you don’t feel confident about them or you want to avoid sunburn, a longer sleeves style like the Billabong cover-up (below) could be the answer.

Billabong long sleeve cover-up dress | 40plusstyle.com

Billabong long sleeve cover-up dress

crochet dress

The crochet style (below) drapes across the body. Like many cover-ups, it is see-thru though, so this is one to keep for the beach rather than doubling as a dress. Unless, of course, you add another layer underneath.

Elan crochet maxi dress | 40plusstyle.com

Elan crochet maxi dress

printed cover-up dress

I like the graphic print on the v-neck cover-up below and the fact it ties at the waist to add shape to your silhouette. Reviewers say it can be worn with nude underwear away from the beach and you can adjust the back straps depending on how much coverage you want.

Elan cover-up maxi dress | 40plusstyle.com

Elan cover-up maxi dress

white cover-up

A neutral cover-up will never go out of fashion, and will go with all the swimsuits in your suitcase. The La Blanca cover-up (below) is 100% cotton so it should keep you nice and cool.

La Blanca lace trim midi dress | 40plusstyle.com

La Blanca lace trim midi dress

caftans

The best bathing suit cover ups for women over 40 | fashion over 40 | 40plusstyle.com

I couldn’t resist adding some extra caftans as they are one of the easiest styles to wear at the beach.

This provides the best coverup and you can potentially feel like and look like a goddess in one of these. It feels exotic and glamorous to wear one.

You could easily wear for the beach during the day and then add some heels and jewelry for dinner.

Maudie @my_silver_years above looks fabulous in her animal print caftan with that beautiful view behind her.

Recreate her outfit with this similar printed caftan, flip flops, cap and sunglasses.

There are more stylish caftans below that you could choose.

Miraclesuit caftan | 40plusstyle.com

Miraclesuit caftan

Nordstrom pullover caftan | 40plusstyle.com

Nordstrom pullover caftan

Bleu by Rod Beattie cotton caftan | 40plusstyle.com

Bleu by Rod Beattie cotton caftan

HARHAY swimwear cover-up | 40plusstyle.com

HARHAY swimwear cover-up

SweatyRocks kimono cover-up | 40plusstyle.com

SweatyRocks kimono cover-up

sarong

If you just want to add a little extra coverage while you’re on the beach – perhaps because you aren’t so confident about your hips or thighs – then a short wrap or sarong can be the perfect option.

Marks & Spencer mini frill beach cover-up sarong | 40plusstyle.com

Marks & Spencer mini frill beach cover-up sarong

Ekouaer wrap sarong | 40plusstyle.com

Ekouaer wrap sarong

Boao long sarongs | 40plusstyle.com

Boao long sarongs

Cover-up pants

Prefer to cover up your lower body too? Then these cover up pants are for you.

They are easy to combine with some of your tunics and kaftans too!

Best bathing suit cover ups - Chelsea28 cover-up pants | 40plusstyle.com

Chelsea28 smocked split leg pants

Robin Piccone beach pants | 40plusstyle.com

Robin Piccone beach pants

Elan wide leg cover-up pants | 40plusstyle.com

Elan wide leg cover-up pants

What to wear with your cover-ups or caftans

Now that you’ve chosen your favorite cover-up style, how exactly will you wear it?

The obvious way (with your swimsuit)

Stylish ways to wear your beach cover up | 40plusstyle.com

Elan wrap maxi cover-up dressMiraclesuit one-piece swimsuitTory Burch sandalRebecca Minkoff straw & leather bucket bagRIAH FASHION tassel earrings

Add some leggings for evening

Leggings are perfect too. So comfortable and easy to wear on holiday. You can pop your leggings under your cover-up so you’re ready for lunch or for sightseeing. And they’re easy to pack in your suitcase as they don’t take up much room at all.

Wearing a beach cover up with your leggings | 40plusstyle.com

Boden wrap cover-upFelina capri leggingsSteve Madden ankle strap sandalRebecca Minkoff straw & leather bucket bagRIAH FASHION tassel earringsKendra Scott tassel earrings

Check this article for the best leggings for women over 40.

With jeans

Your swimsuit cover-up doesn’t have to be kept only for the beach. You can wear for day-to-day too by adding over the top of your t-shirt and jeans. If you choose a lowercut top you could always add a camisole.

Beach cover up with jeans and sandals | 40plusstyle.com

Robin Piconne tunic cover-upRiver Island skinny jeansSteve Madden ankle strap sandalNordstrom leather clutchKendra Scott tassel earrings

With shorts

I love wearing my shorts on vacation. They make for a great relaxed look while combining them with kaftans and kimonos.

Wearing your beach cover up with shorts | 40plusstyle.com

La Blanca slouchy hooded sweater cover-upWit & Wisdom denim shortsTory Burch sandalRebecca Minkoff straw & leather bucket bagDIFF cat eye sunglasses

For more guidance check our article on how to wear shorts over 40.

Top brands for caftans and tunics

I hope you have been able to find the best bathing suit cover ups for your needs.

If you need something to wear underneath, be sure to check out the best bathing suits and swimwear.

Have you find the best bathing suit cover ups yet for your style?

Continue reading:

  1. The Best Bathing Suits For Women Over 40 – Swim Suits That Make You Feel Fabulous!
  2. 20 Of The Best One-Piece Bathing Suits For Women Over 40
  3. Stylish Travel Clothes For Women That Are Stylish AND Comfortable

Like this article on the best bathing suit cover ups? Share it on Pinterest!

The best bathing suit cover ups for women over 40 | fashion over 40 | 40plusstyle.com

Feature image by Maudie @my_silver_years

Want to get more articles from 40+style in your inbox, subscribe here.

You can also connect with 40+style on Facebook, Instagram or Pinterest.

Support 40+style by using the links in our articles to shop. As an associate for Amazon and many other brands, we receive a small commission (at no cost to you) on qualifying purchases which enables us to keep creating amazing free content for you. Thanks!