Abstract: An improved lightweight, multi-layer, reflective swimming pool cover containing two thermoplastic layers. The top layer has a dark-colored polyethylene film and the lower layer has a polyethylene film with a aluminum concentrate, or other suitable reflecting material, deposited thereon along the entire layer, thereby becoming a reflective surface. The layers are suitably bonded together to form a water and air tight seal so as to provide the cover with a reflective surface on which are integral reflective solar heating and insulative pockets configured in a predetermined spatial relationship to each other. The cover acts to continually reflect radiating heat back into the pool and provides an effective and enhanced insulation barrier against radiant heat loss from the pool.