Zip-up rash guards are the easiest for toddlers.
Get a one-piece zip-up rash guard with UPF 50+ and long sleeves. Zippers beat anything you have to pull over a wet, sandy kid’s head.
The problem with most toddler swimwear is getting it on and off. You’ve got a wiggly, possibly damp toddler who does not want to cooperate. A pullover rash guard means wrestling it over their head while they scream. A two-piece suit means chasing down a sunburnt belly. A one-piece zip-up solves both:
