I had protected sex & unprotected sex (he didn't ejaculate) and i haven't had my period & i have white chunks in my urine. could i be pregnant?

Hard to guess, but..: A urine pregnancy test, done correctly, gives a reliable result 3 weeks after sex (3 weeks after when conception might have occurred), or 1 week after missing a period. If done sooner, a positive result is likely real, but a negative result may be due to testing too soon, and thus lead to a repeat test. If a woman gets her normal regular period, then she is not pregnant. A Dr. can check for STD's.