Blood in the urine can have many causes in a woman. Your doctor did just great by referring you to a urologist....too often they just ignore it in women!! But
until you get the results from the urologist, you shouldn't be WORRIED. Maybe worried, by not WORRIED. It can be all kinds of things, even a UTI. And even if it were bladder cancer, it is often highly treatable.
Good luck to you
Sara Anne