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Alexandre Eremenko
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In the case of surfaces, the necessary and sufficient condition is the absence of asymptotic values. A curve in $\gamma:[0,1)\to X$ is called an asymptotic curve if the limit $\gamma(t)$ as $t\to\infty$ is $\infty$ (the infinite point of one point compactification of $X$), but $f(\gamma(t))$ has a limit in $Y$ as $t\to 1$. This limit is called an asymptotic value. A covering is a local homeomorphism that has no asymptotic values. The only references for this that I know are for surfaces, but this should not be hard to prove in general under appropriate conditions. Probably $X$ and $Y$ have to be locally connected, in addition to what you said about them.

Alexandre Eremenko
  • 91.8k
  • 9
  • 259
  • 429