Agreed. While the risk of PFO closure is quite small, it is not zero.
The FDA approved indication for PFO closure in the USA is cryptogemic stroke in patients 18-65 years of age. This is basically a stroke with no other etiology found other than the PFO and closure is only performed after consensus by the patient, neurologist, and cardiologist. Insurance coverage for PFO closure in divers can sometimes be difficult. Often, it will be approved for neurologic DCS as this often has "stroke like" symptoms. I would imagine, though I cannot guarantee, that the Canadian system would be similar as this is what has been studied in the medical literature.
There is no indication for PFO closure simply because you have been found to have a PFO. Yes, a diver with PFO is probably about 5 times more likely to suffer DCS than a diver without one, but the ABSOLUTE risk of DCS is quite small. For recreational diving, this would be approximately an increase in DCS from about 2 episodes per 10,000 dives to about 10 per 10,000 dives, or 1 in a thousand. PFO closure complications are very low, but they are higher than 0.1% ( one in a thousand).
While the risk of DCS in technical diving is obviously higher than with recreational diving, the absolute risk of DCS in technical diving even with a PFO is quite small. For that reason, the recommendation is only to close PFOs in divers who have had one or more episodes of DCS of the types associated with PFO -- cerebral, spinal, inner ear, or skin bends.