I'm sure you've read that bladder cancer has the highest rate of recurrence of any cancer. Generally the recurrent tumors are of the same type,stage and grade as the ones before, but frequent check-ups are necessary to make sure not only that there are or aren't new tumors but also to check on the stage and grade through pathology reports and other tests.
You don't mention what type of tumors you had or what the pathology report and other tests have found. That makes a big difference in treatment protocols. The "chemo" you mention is probably not truly chemo but more likely BCG treatments which are given initially for 6 weeks and then in three-week doses every 3 months, then every 6 months,etc. in the most common protocol. As I understand it, BCG works to stimulate the immune system and causes the bladder lining to be be able to "recognize" cancerous or pre-cancerous cells and reject them. BCG works best with higher grade tumors, but is often given if you have recurrence of lower grade tumors, especially if the tumors are multiple or large. This is what happened in my case, though I'd only had one recurrence of a low-grade type after two years when the Dr. recommended the BCG. Given how frequently your tumors are recurring, the BCG treatment sounds like it definitely should be done as soon as possible, after you're healed up from the surgery.
On a positive note, I've had no recurrences since having the 2+ years of BCG treatments and have been all clear for over 5 years now. there are a number of other people on this board who have had similar results.
Best of luck!
Ann
Small TA Grade 1, May-06; recur (2 tiny), same, June-08; TURBTs both times. BCG begun July-08, dosage to 1/3rd May-10, completed treatment December-11. All clear since 2008.