18 Stylish and Classy Cruise Outfits for Women Over 40

Cruising is such a fabulous way to travel!

No one would ever argue that dressing for a cruise is easy. The days of just packing shorts and T-shirts are long gone.

Today, cruise wear has taken on a whole new level of style and sophistication, and as women over 40, we want to look our best while cruising the high seas.

But don’t worry, we’ve got you covered with these 18 stylish and classy cruise outfits for women over 40.

Related: What Not to Wear on a Cruise?

18 Cruise Outfits for Women Over 40  

Packing for a cruise doesn’t have to be stressful! A few versatile pieces paired with accessories can create endless, effortless looks. Here are 15 outfit ideas to inspire you.  

1- Flowy Maxi Dress with a Wide-Brim Hat  

A breezy maxi dress makes for the perfect daytime look when enjoying the sea breeze.

Pair it with a wide-brimmed hat to shield you from the sun in style. You’ll feel comfortable yet polished—perfect for lounging on the deck or exploring port towns.  

2- White Linen Pants with a Striped Nautical Top  

Few things say “cruise chic,” like nautical stripes.

I recommend you pair a simple striped top with white linen pants for a fresh and crisp vibe.

This outfit works beautifully for sightseeing or grabbing a casual lunch.  

3- Wrap the Midi Dress with Wedge Sandals  

A wrap midi dress offers a flattering silhouette, regardless of body type. Opt for wedge sandals for added height without sacrificing comfort.

I once wore this combo to a formal dinner on board, and it struck the perfect balance between stylish and relaxed.  

4- Sleeveless Jumpsuit with Statement Earrings  

A sleeveless jumpsuit is a versatile staple.

Whether solid or patterned, this effortless piece can work for day or evening. Add statement earrings, and you’re ready for dinner or cocktails.  

5- High-waisted shorts with a Lightweight Button-Down Shirt  

For daytime excursion looks, pair high-waisted shorts with a lightweight button-down shirt.

For a playful touch, you can wear the shirt tucked in or tie it at the waist. This outfit is perfect for casual, sunny days.  

6- Off-the-shoulder floral Dress with Espadrilles  

An off-the-shoulder floral dress is feminine and flirty!

Combine it with a pair of espadrilles, and you have the perfect outfit for strolling through charming seaside markets or exploring local landmarks.  

7- Cropped Wide-Leg Pants with a Sleeveless Blouse  

Cropped, wide-leg pants are endlessly comfortable and stylish.

Pair them with a flowy sleeveless blouse for that polished yet relaxed cruise vibe. This is one of my go-to outfits during mild evenings on deck.  

8- A-Line Skirt with a Tucked-in Tank Top and Scarf  

Go for a fun A-line skirt with a tucked-in tank top for a flattering silhouette.

Add a lightweight scarf for extra flair and warmth during breezy evenings.  

9- Lightweight Cardigan Over a Sundress  

Weather can sometimes surprise you on a cruise.

Pair your favourite sundress with a lightweight cardigan for added comfort.

It’s an excellent outfit for indoor activities or more fabulous sightseeing spots.  

10- Tailored Capris with a Chiffon Blouse  

Tailored capris paired with an elegant chiffon blouse make a versatile combo for lunch dates or casual deck gatherings.

Essentials like these are a must in your cruise wardrobe!  

11- Wrap-Style Swimsuit Cover-Up with Sandals  

For pool or beach days, go for a wrap-style cover-up. They’re flattering and practical and work effortlessly with cute sandals.  

According to my experience, wrap-style cover-ups are also great for transitioning from the pool to lunch or a day excursion.  

12- Striped Maxi Skirt with a Solid Color Tank Top  

Striped maxi skirts make a beautiful statement piece.

Pair them with solid-color tank tops and wedges for an easy, stylish look perfect for evenings on board or dining out in port towns.  

13- Cotton Sundress with Gladiator Sandals  

Cotton sundresses are comfortable and practical. Pairing them with gladiator sandals adds a bit of edginess to your look.

This combo is ideal when you want to be ready for anything during your day excursions!  

14 Breezy Kaftan Dress with Metallic Accessories  

A kaftan dress is glamorous in the simplest way. Opt for metallic sandals, bangles, or earrings to elevate the look for evening wear.  

I believe that kaftans are the perfect mix of comfortable and chic.  

15- Midi Skirt with a Classic White Button-Up Shirt  

A midi skirt paired with a classic white button-up shirt is an effortless combination appropriate for multiple occasions.

This look works well for casual daytime activities or more formal dinners on board, so it’s a win-win!  

16- Dark-Wash Jeans with a Flowy Off-Shoulder Top  

Dark-wash denim is casual but always polished. Pair it with a flowy, off-shoulder top for a stylish, age-appropriate outfit.

This combo works for casual dinners and explorations during laid-back evenings.  

17- Wide-leg jumpsuit with a Belted Waist  

A wide-leg jumpsuit is comfy yet elegant. Choose one with a belted waist to create that structured look.

I once wore one like this on a cruise outing—it photographed beautifully!  

18- Maxi Skirt with a Sleeveless Chambray Shirt  

Chambray shirts are versatile! Wear one tucked into a maxi skirt for an effortlessly chic outfit perfect for exploring new cities or grabbing a sunset cocktail.  

I don’t know about you, but I always reach for these outfits when packing for a cruise. They’re comfortable, stylish, and perfect for any occasion that may arise during your trip.

Conclusion

While fashion changes as we age, that doesn’t mean we have to sacrifice style or comfort.

With these outfit ideas, you can dress effortlessly chic and feel confident on your next cruise adventure. So go ahead, pack your bags, and set sail in style! Bon voyage! You deserve it.