Some have been told that the rust warranty doesn't cover the oil pan. I would think that the engine warranty would cover it though.
Even if neither covers it and it does rust thru, you can always drain it, plug it with anything handy and fiberglass it. I've done it on a boat pan that was moored in salt water and never had another problem with it. The POR-15 is a good way to stop the problem from getting worse, fiberglass is a good way to repair it if it's gotten out of hand. Either way, you don't have to pull the engine.
Even if neither covers it and it does rust thru, you can always drain it, plug it with anything handy and fiberglass it. I've done it on a boat pan that was moored in salt water and never had another problem with it. The POR-15 is a good way to stop the problem from getting worse, fiberglass is a good way to repair it if it's gotten out of hand. Either way, you don't have to pull the engine.