diff --git a/openapi3/issue499_test.go b/openapi3/issue499_test.go
new file mode 100644
index 00000000..3dc980a8
--- /dev/null
+++ b/openapi3/issue499_test.go
@@ -0,0 +1,13 @@
+package openapi3
+
+import (
+	"github.com/stretchr/testify/require"
+	"testing"
+)
+
+func TestIssue499(t *testing.T) {
+	loader := NewLoader()
+	loader.IsExternalRefsAllowed = true
+	_, err := loader.LoadFromFile("testdata/issue499/main.yml")
+	require.NoError(t, err)
+}
diff --git a/openapi3/testdata/issue499/foo.yml b/openapi3/testdata/issue499/foo.yml
new file mode 100644
index 00000000..2d8bb0e0
--- /dev/null
+++ b/openapi3/testdata/issue499/foo.yml
@@ -0,0 +1 @@
+type: string
\ No newline at end of file
diff --git a/openapi3/testdata/issue499/main.yml b/openapi3/testdata/issue499/main.yml
new file mode 100644
index 00000000..da1a9725
--- /dev/null
+++ b/openapi3/testdata/issue499/main.yml
@@ -0,0 +1,24 @@
+openapi: 3.0.0
+info:
+  title: 'spec'
+  version: 1.2.3
+
+paths:
+  /foo:
+    get:
+      summary: get foo
+      responses:
+        "200":
+          description: OK
+          content:
+            application/json:
+              schema:
+                $ref: "#/components/schemas/Foo"
+
+components:
+  schemas:
+    Foo:
+      type: object
+      properties:
+        id:
+          $ref: "./foo.yml"
\ No newline at end of file