Welcome to the forum, CanadianHorseGal! :)
I would actually respectfully disagree with photocowgirl, and would not suggest draw reins. Draw reins force the head down, but don't truly create a frame. You wouldn't believe how many horses I've seen worked in draw reins where they have a nice headset, yet in the show arena (where draw reins are disallowed), the headset completely disappears. Tying a horse's head down is not only dangerous, its extremely uncomfortable for the horse. You want your horse to frame because you ASK her to, not force her to.
The reason she may not like framing, as you put it, is you may be confusing her with your cues. Make sure you are not constantly playing with her face. I find its easiest to achieve a frame on a bend. So let's say you're doing an inside bend. Apply your inside leg, (not totally abandoning the outside leg) and gently but firmly check and give with your inside rein. The key is REWARDING. When you feel her tuck in her chin and "give to you," give to her immediately. This lets her know that she's doing it right. If you are still asking her AFTER she's begun to frame, she'll probably get fussy and cranky. It's like she's thinking, "but I'm doing it Mom... why do you keep playing with my face??"
Really try not to always play with her face. A true frame doesn't come from fiddling with your reins until she drops her head... a true frame comes from impulsion and lifting of the back. To be able to do this, you must have a balanced seat with the weight evenly distributed throughout your legs. Sit tall and straight, with your legs wrapped around her barrel (not tightly, but firmly). Your legs will summon a frame MUCH MORE than your reins. You can work on this best at a sit trot. As you bring her up to trot, really RIDE the trot. Scoop your butt under and push her forward, FEELING out her movement. Apply pressure from both legs to get her hind end working underneath. Once the hind end is engaged, her back will lift and be strengthened. As you're working on impulsion, apply an inside bend. As she's working underneath herself and tracking up, she should also be softening in your hands as you CHECK and GIVE, always rewarding when she gives to you.
Also-- Make sure to give her break between working with contact. Being in a frame takes muscle, which can only be achieved through impulsion. ALLOW her to get there. Work her in a frame for tiny segments (working up to bigger ones), then take a break. Bring her back to a walk and let her have her head on a long rein. She will love you for this!
Hope this helps!