Have you tried ebay?

You might be surprised by how much protection the short sleeved, short legged swimsuits offer. They are WAY better than regular swimmers and as a PP said, if you put plenty of sunscreen on the other bits of skin she should be right. At her age she's not likely to want to be in the water too long (tiny bodies get cold pretty quickly) so you could just get one from anywhere really - we got a $10 one from Best & Less! - to use for water play, then dress her in long cotton pants for playing in the sand etc.