Not meaning to kick you when you're down, but one of the most important things to do BEFORE you get a chinchilla is to make contact with an Exotic Vet who specializes in chinchillas.
I also advise you to make an appointment for what I called a "well baby exam". This gets you into their system as a patient, and then, if the situation ever arises that you happen to NEED an emergency visit, it will be much easier to get an appointment.
I personally go to Alameda East Veterinary Hospital in Denver, which is less that a mile from my house. I am fortunate to have the world-famous Exotic Vet, Dr. Kevin Fitzgerald as MY vet for my 3 chinchildren. He has not charged me for any of the 4 times I have gotten a new chinchilla and brought him in to be checked out. He loves them and enjoys seeing them.
Fees when they are ill (URI) varies from $75 for an office visit to $365 for neutering. Thankfully, I have not yet had any REAL emergencies.
Good luck with your baby...