Always consult a veterinarian if your pet is showing any signs of trouble. Chinchillas will typically require you to find an exotic vet. Before you commit to a chinchilla as a pet make sure you find a vet that is familiar with chinchillas and has prior experience with them. The more familiar your vet is with chinchillas the better quality of life your pet will have.
Keep in mind chinchilla's and vets in general are expensive. Keep this in mind when choosing as a pet. There are several companies that offer veterinary insurance for pets such as VPI. There are also companies that can extend lines of credit for chin parents in need of medical assistance for their child such as Care Credit.