The first rule is: when hematuria is present, bladder cancer must be ruled out. A cystoscopy is the gold standard, but even the gold standard has room for improvement. There's a new technique that uses flourescent dye and blue light and has been shown to diagnose 30% more cancer. That is a scary thought. Especially CIS, which is the more dangerous type of bladder cancer and is often invisible to the naked eye, is more accurately detected with blue light cysto.
If I were you I would ask for cytology and maybe a FISH urine marker tests. Any sign of funny cells and get another cysto, preferable a blue light, fluorescent one. There is info about Hexvix here:
blcwebcafe.org/hexvix.asp
It is available in Europe, in trials in the U.S.
I can sense you are unsure and to me that's a sign to follow your instincts and be very sure this bleeding is not due to bladder cancer.
I know many women and young people, both smokers and non-smokers, high risk and not, who experienced delayed diagnoses because they didn't fit the profile. Blood in the urine is the most common symptom, so whatever is causing it should be determined.
Take care,
Wendy