Take it from someone who first bought a Veiled chameleon for like $75 at petsmart, had an awful experience, and then decided to purchase a $425 male panther from a reputable breeder.
Yes, $400 is a lot of money. And I do not personally have a lot of money. However, the experience has been greatly different. Now, a lot of that was my fault (although.... it seems like my veiled from PS may have actually been sick before I even had her) and I've learned a lot from that intial experience.
I was looking for cheaper options before I spent the $400+. Ultimately, based on the information I gathered, I likely would have ended up with the same situation had I gone with a cheaper chameleon. The reason these chameleons are as much as they are, is because the breeding process (when done RIGHT) requires a lot of attention and is costly (imagine having to house and feed like 30-80+ baby chameleons separately.), and the chameleon you are getting is much more likely to be healthy and hardy. Also, the type of customer service you'll get from a reputable breeder won't be the same elsewhere. I can promise you that.
I've had my chameleon for about 2 months now and I am REGULARLY in contact with his breeder via email and they're always available on the phone if I need to call them.
Here is the thing, and please don't take this personal. If you're not willing to spend this much on the chameleon him/herself, then I think this might not be the pet for you (at least until you've gained more perspective! Which I hope happens). The reason I say this is because I personally went from "well do they really need this? They probably don't need that. We can probably get away with this.." to "I want to do everything the best I possibly can so that my chameleon can not just survive, but THRIVE.".
Without this mentality you will probably have a difficult experience that ends badly. I ended up comparing it to what I spend on my dogs and that helped nudge me into the right mentality to become a chameleon keeper. You TRULY have to care and you truly have to put that effort in.
I suggest you do research to see what this entails (ask questions on here and check out chameleonacademy.com). If it still ends up being something you want to do, I highly suggest you reconsider. I have nothing to gain from suggesting this to you. I am simply talking to you from experience. This was suggested to me and I could not be ANY happier that I went this route. I'm telling you, the $425 was worth it.
Going through building my own 3'x2'x4' enclosure was worth it. Learning how to take care of the bugs was worth it. Cleaning out the darn bugs cages, and feeding them is worth it. Getting the proper lighting, supplements, etc was all worth it. Make sure you do what's best for you, and if you decide to still get a chameleon, please make sure you do what's best for the chameleon

Buying from the cheaper options keeps those places in business, and is not what's best for chameleons.
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