you can put lotion on a 3 month old. I put it on my 2 month old when i went. I picked up a little bouncing bassanet that zipped up and had solid material on one side and netting on the other. i also covered it with a towel. She slept in it at the pool and beach and also at night in the room. Check baby's r us i think playschool makes one. Give her a bath everynight to get off the lotion and chlorine and you will be fine. Enjoy we do my daughter is going to be 6 in feb and will be taking her 7th trip to aruba in June.