While it may seem a product with an SPF50 or higher would offer a full percentage rate of protection, it is mostly comprised of an increased level of chemicals. And these can cause a higher rate of irritation in skin.
Also look out for fragrance in sunscreens as they can react with sunlight to give you a reaction or pigmentation problems.
If you have sunscreen sensitivity then look for mineral based products, which contain titanium dioxide and zinc oxide.