Yes, it’s a cover-up. (And will definitely do its duty well.) But as sweet as it is, you’ll find plenty more reasons to wear it - around the water or not. It’s made of stretchy, quick-drying swimsuit fabric so it’s lightweight and very comfortable. It’s designed to be worn over your swimsuit top, but you can wear it anywhere you want a little extra coverage and sun protection - patio party, golf course, shopping.