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My 2017 Toyota Kluger is just out of warranty and needs a new water pump, should Toyota cover the cost?

The problem you have is that the car was already nine months out of warranty when the problem was first noticed. Even though the pump did not require replacement right there and then, if a leak has started, then the pump is damaged or worn and will eventually need replacement. There’s also a distinct probability that the leak had started weeks before it was spotted by your service workshop, so it may have been even closer to the warranty period when the problem first occurred.

I’m with you on this one; 39,000km is not good enough for a modern car to begin to require major replacement parts like a water pump. Rather than go through your dealership, consider contacting Toyota Australia’s customer service division directly and stating your case. Interestingly, since 2019, Toyota has offered a five-year warranty on its new cars and perhaps, if you’ve been a repeat customer or always had your Kluger serviced at a Toyota dealership, then you might find Toyota will help out even to the extent of providing the pump for you to have installed at your expense. If you don’t ask, you won’t get.