Welcome to the forum. Thanks for your question.
You really shouldn't be worried about HIV from this event, but I would encourage you to be tested for certain other STDs, especially gonorrhea and chlamydia.
It is statistically unlikely your partner has HIV, both because it's uncommon (probably 1 chance in 1,000) and because people rarely lie when asked directly, so her belief she is "clean" is pretty reliable, at least in regard to major STDs like HIV, syphilis, gonorrhea, etc. If she had it, the chance you were infected is under 1 in 1,000. That makes your HIV risk no higher than 1 chance in a million -- much too low to warrant PEP. You might be able to increase your confidence, however, if you can re-contact your partner; reconfirm that she has had a negative tests for HIV and other STDs; and perhaps she would be willing to have a new round of tests. If negative, you would know for sure you have not been exposed.
Assuming your internet partner isn't retested at this time, I still urge you to not worry about HIV. See a doctor or clinic for a urine test for gonorrhea and chlamydia, which are much more likely than HIV in this situation; 2-3 days after exposure is enough time for accurate results. If those are negative, I would encourage you to continue sex with your wife, which is what I would do if I were in your situation. You can still go ahead with an HIV test in a few weeks (and perhaps a syphilis blood test), but you can definitely expect a negative result.
To put my 1 in a million estimate in context, if you live in the US, the National Safety Council estimates you have 1 chance in 17,000 of being struck by lightning sometime in your life, i.e. 60 times higher than the odds you have HIV; and 1 chance in 1,756 of dying within 12 months of a traumatic accident (traffic, drowning, falling, etc) -- 570 times higher than the odds of HIV.
So even if you decide to be tested for HIV, stay relaxed while you wait for a few weeks to pass in order to have a reliable result. And don't forget your seatbelt!
Regards-- HHH, MD
Thank you Doctor. I will follow your advice.
The data on test timing for gonorrhea and chlamydia aren't all that precise. Gonorrhea for sure would be accurate at this time, but it could be a bit early for chlamydia, since it's a more slowing growing organism. Tomorrow (3 days) would be OK, though.
Be diplomatic with your partner. Your contact with her about testing should be a request, not a demand; and you should consider indicating it's for her safety as well -- she may be as nervous about your STD/HIV status as you are about hers. That would not be unreasonable; statistically, women are at greater STD/HIV risk from their male partners than the other way around.
Thanks a lot for the prompt response
I am sorry, I should have mentioned that I live in Texas. I am still in touch with the girl and will try to see if she agrees to get tested with me.
I just have 1 follow up question. This incident happened on night of 11- Sep, can I go in to get tested for Gonorhea and Chlamadia today 13-Sep at 2.00 Pm, or do I need to wait till tomorrow or monday?
Thanks again, awaiting a response.