My Girlfriend Keeps Stopping Intimacy: How Should I Handle It?

My girlfriend has visited me twice in the past three weeks. On both occasions, we became intimate, but she stopped me when I tried to have penetrative sex. The first time, she said she was menstruating and later mentioned an infection. This time, she said the infection had been treated, but she still refused sex. I suggested using a condom, but she said she does not like condoms. I feel confused and frustrated. Could she be uncomfortable, scared, not ready, or dealing with a health issue? How should I discuss this respectfully, and should I continue the relationship?

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