This risk is theoretical and there are no known cases of sexual HIV transmission involving urine. The virus can also be transmitted by contact between bleeding cuts or open sores and infectious fluids. However, healthy skin does not allow HIV to enter and provides an excellent barrier against the virus. If a bloodsucking insect bites someone with HIV, the virus dies in the insect's stomach. HIV can only live in human cells.
Many people have questions about mosquitoes.
The mosquito draws blood and injects saliva. A person's blood is not injected into the mosquito's next victim. HIV dies in the mosquito's stomach. These facts are confirmed by epidemiology. In areas that have lots of mosquitoes and HIV the distribution of AIDS in the population is not different than in other areas.