diff --git a/src/core/annotation.js b/src/core/annotation.js
index 9ade49e82..92dbef74f 100644
--- a/src/core/annotation.js
+++ b/src/core/annotation.js
@@ -2676,7 +2676,17 @@ class HighlightAnnotation extends MarkupAnnotation {
       null
     ));
     if (quadPoints) {
-      if (!this.appearance) {
+      const resources =
+        this.appearance && this.appearance.dict.get("Resources");
+
+      if (!this.appearance || !(resources && resources.has("ExtGState"))) {
+        if (this.appearance) {
+          // Workaround for cases where there's no /ExtGState-entry directly
+          // available, e.g. when the appearance stream contains a /XObject of
+          // the /Form-type, since that causes the highlighting to completely
+          // obsure the PDF content below it (fixes issue13242.pdf).
+          warn("HighlightAnnotation - ignoring built-in appearance stream.");
+        }
         // Default color is yellow in Acrobat Reader
         const fillColor = this.color
           ? Array.from(this.color).map(c => c / 255)
diff --git a/test/pdfs/.gitignore b/test/pdfs/.gitignore
index 1abd53fd2..ea1044a8d 100644
--- a/test/pdfs/.gitignore
+++ b/test/pdfs/.gitignore
@@ -254,6 +254,7 @@
 !find_all.pdf
 !helloworld-bad.pdf
 !zerowidthline.pdf
+!issue13242.pdf
 !js-colors.pdf
 !annotation-line-without-appearance-empty-Rect.pdf
 !issue12841_reduced.pdf
diff --git a/test/pdfs/issue13242.pdf b/test/pdfs/issue13242.pdf
new file mode 100644
index 000000000..3fc33eccc
Binary files /dev/null and b/test/pdfs/issue13242.pdf differ
diff --git a/test/test_manifest.json b/test/test_manifest.json
index 2bc7d078d..494dc9664 100644
--- a/test/test_manifest.json
+++ b/test/test_manifest.json
@@ -2324,6 +2324,13 @@
        "lastPage": 1,
        "type": "eq"
     },
+    {  "id": "issue13242",
+       "file": "pdfs/issue13242.pdf",
+       "md5": "ceb2da908c972087eb90e6bae240bce9",
+       "rounds": 1,
+       "type": "eq",
+       "annotations": true
+    },
     {  "id": "issue7229",
        "file": "pdfs/issue7229.pdf",
        "md5": "480e51aae0ac271780e4603d1561d15e",