Is she allergic to bees/wasps or something?

Maybe, or she just has a general phobia. One of my friends is absolutely terrified of bumblebees (I think they're cute!) 乁( •_• )ㄏ

True, my mom always was afraid of beetles but I'm general a fear of "bugs getting tangled into my hair". I think a grasshopper did that to her when she was a kid