the definition of precompact on a metric space (X,d) shall be: $\forall r >0 \exists F\subset X \ \mathrm{ finite, s.t. } \ X= \cup_{x\in F} B_r(x).$
As all open sets in (X,d) are balls, why is that condition not sufficient, and we also need completeness?
Further, can one define precompactness in the above sense also on topological spaces?
To see an example why this is not sufficient, note that $(0,1)$ is precompact with this definition. This does not depend on the topology alone, but also on the metric; the homeomorphic space $\mathbb R$ is not precompact as a metric space. Sometimes a metric space with this property is called "totally bounded."