Question about failover

You have to build something on top of Netwatch tool. You can not use it directly because there is no way to set the Netwatch tool to use a specific outgoing interface.
I have asked for these options for Netwatch tool, MT is considering it (http://forum.mikrotik.com/t/little-changes/47848/1):

we will consider about src-address for netwatch tool. In the mean time use the scripting and ping to check something this specific.