It's not covered. I've heard I can call them and they may not want to charge me, but I have to work up my nerve to do that.
I'm glad you brought that up. I meant to comment on it when Jon mentioned it, but I forgot.
I'm not 100% certain, but it's certainly worth checking: I
think AppleCare applies to your machine, not the OS, i.e. software support may be free while hardware support is not.
Just call and ask.