I have blood in my urine, is it cancer?

Two and a half weeks ago I had a day where my urine was dark red/brown. I put this down to too much black coffee as it always makes me need to urinate much more often. I even thought it could be the coffee passing through me. This continued for a few days and then became normal one time and coloured the next. This is how it continued until during the last few days it became more blood coloured more often, but my doctor had started me on Rivaroxaban because I have intermittent AF and one of the common side effects is blood in the urine. Today, for example from first thing in the morning my urine was clear, bloody, clear, clear and then bloody, bloody and clear.
Having seen a bloody urine sample and tested it today my doctor has referred me as urgent to the hospital for tests.
I have googled it and found with bladder cancer it is quite usual for the urine to fluctuate, being bloody one time and not the next.
Are my chances of having cancer great? Unfortunately I am 65 and have smoked all my life albeit less then 10 a day.
Thank you

Age: 65
Medications: Rivaroxaban and Citalopram both 20mg