In a bowl, combine the chia seeds, milk, cocoa powder, honey, and vanilla extract. Whisk well until all the ingredients are thoroughly combined.
Let the mixture sit for about 5 minutes, then whisk again to prevent clumping.
In a small microwave-safe bowl, melt the chocolate chips along with the coconut oil. You can do this by heating in short bursts in the microwave, stirring in between until melted and smooth. Alternatively, you can melt the chocolate and coconut oil using a double boiler on the stovetop.
Pour the melted chocolate mixture over the prepared chia pudding, using a spoon to create a drizzle pattern or spread it evenly across the top.
Place the chia pudding in the refrigerator for about 15 minutes to allow the chocolate topping to set.
Serve the chocolate chia pudding chilled and enjoy!