You can indeed be allergic to cool water--it's called aquagenic urticaria. A dip in cool water for someone with this uncommon condition can be dangerous.
Your daughter should be evalauted soon by a dermatologist or allergist. She shouldn't swim alone.
Treatment consists of antihistamines and other measures. You can read aome more about this condition at: http://www.dermnetnz.org/index.html. Look up their article on "Urticaria," which means hives.
Best.
Dr. Rockoff
Thank you so much for your timely reply! I really appreciate it!
Susan