Perhaps you are feeding into it, so let her say there are ants etc just say nothing , it could be she is getting attention from your reaction. You can wait around in the bathroom that wont hurt but when she wont take one you take a privilege away .Shower before TV or a story when she chunners about ants and other things let her ,dont respond , other than to tell her if she doesnt shower she gets no story or TV ,if you dont make a big thing of it it will go away.