What can I do about my heart palpitations?

I have had an irregular heartbeat for a while now and in the past 2 years it has developed into heart palpitations. My mom has palpitations so I know it's a genetic thing, but my heart gets really weird when I go swimming or smell any form of alcohol or antiseptics. I can't swim because the pressure of the water makes my heart stop and beat really hard. Every time I go to the doctor's office I have panic attacks and palpitations so I have not been going regularly and I physically cannot stand to get vaccinations or blood drawn because of my heart, but I need to get it checked out. Are there any alternatives??? I've also struggled with depression and anxiety for years but I am too young to take anti-depressants.