that is why i asked if a go - no go sensor would work. measuring flow is fairly complex, so a good flow meter costs money. you have to have a straight run of pipe for a venturi and they highly accurate pressure gages or use some other design that is costly
i think a temperature sensor (thermocouples should be cheap) might be the way to go. put that in the discharge of your pump or heat exchanger. if the temperature rises significantly , then either flow has stopped, or something else bad has happened, either way you would be alerted by the temperature change. temperature is much easier to measure than fluid flow.