Circuit to detect broken fuse
Banish your anxiety and shed your stress. Use a miniature circuit breaker with auxiliary contact.



Figure 1. MCB with NO and NC auxiliary contacts.

Monitor the auxiliary contacts and enjoy the benefits of complete isolation of your monitoring circuit and the 28 V power. Fixing the fault is a matter of resetting the breaker. No fuse to stock.

Note that you'll need a DC-rated MCB. (The one in the photo is AC, I suspect.)