Advice, worried mama.

My 2 year old when I’m changing her diaper points at her private part and says “hurt”… she doesn’t have a diaper rash and just started saying it this morning. She’s acting normal otherwise and peeing normal. She’s at daycare during the week, all her teachers are women and I trust them all, I know them very well but I can’t help but to worry. She’s my oldest, doctor is closed today. I’m wondering if possible UTI or something else? Should I take her to ER since doctor won’t be open until Monday? Any other moms went through this before?