Abstract: Insulated portable carrier cover to be used by individuals engaging in recreational activities, e.g., boating trips, camping trips, trips to the beach, and trips to the desert. The insulated cover is made using materials having superior insulating and reflective properties to provide for superior sun blockage. The cover comprises one or more layers of thin, lightweight, flexible polyester fabric insulating material, or the like. The exterior surface of the insulating material is covered by a layer of reflective metal and may also have a protective film coating. The reflective metal may thus be composed of a metalized film laminated to polyethylene or plastic film (e.g. Mylar). Because the materials serve as a thermal barrier and protect against ultraviolet radiation of the sun, the cover is able to significantly extend the period of time that a portable carrier can maintain the temperature of its contents, even in extreme temperatures.