If your out of your 3/36,000 warranty it is not covered unless you have an extended warranty. I've heard you can buy OEM Ford parts over the internet much cheaper than the dealers and you can copy my instructions here on how to change it yourself or take it to a repair shop for an estimate. The $900 price is way out of line for a simple job of replacing the pump and coolant. There is not 5 hours of labor to this job!