Not a mechanic, but I've changed hubs before, so I know the sound when one is starting to go out. Ours is, but the real question is "Is it covered?" We have a vehicle protection policy and part of it reads:
Final drive and axle housings and all internally. - lubricated parts, flex discs, axle shafts and bearings, universal and constant velocity joints, drive shaft, center bearings, drive shaft yokes.
The key word being "bearings". Does that mean the hub bearings are going to be covered or are they more considered normal wear & tear like tires?