Canada has public and private insurance, something like a birth would be covered under public insurance. We just don't think of it as 'insurance' really, since we can't opt out, it comes out of our taxes, and is bought by health Canada rather than a separate plan.

There are also private health insurance plans that cover things not covered by the public insurance, optometrists and dentists fall under that category as do most paramedicals. When Canadians talk about 'health insurance' we're typically referring to the private kind.