diff --git a/block/blk-merge.c b/block/blk-merge.c
index 0e5643a..237b087 100644
--- a/block/blk-merge.c
+++ b/block/blk-merge.c
@@ -83,9 +83,6 @@
 	struct bio *new = NULL;
 
 	bio_for_each_segment(bv, bio, iter) {
-		if (sectors + (bv.bv_len >> 9) > queue_max_sectors(q))
-			goto split;
-
 		/*
 		 * If the queue doesn't support SG gaps and adding this
 		 * offset would create a gap, disallow it.
@@ -93,6 +90,22 @@
 		if (bvprvp && bvec_gap_to_prev(q, bvprvp, bv.bv_offset))
 			goto split;
 
+		if (sectors + (bv.bv_len >> 9) >
+				blk_max_size_offset(q, bio->bi_iter.bi_sector)) {
+			/*
+			 * Consider this a new segment if we're splitting in
+			 * the middle of this vector.
+			 */
+			if (nsegs < queue_max_segments(q) &&
+			    sectors < blk_max_size_offset(q,
+						bio->bi_iter.bi_sector)) {
+				nsegs++;
+				sectors = blk_max_size_offset(q,
+						bio->bi_iter.bi_sector);
+			}
+			goto split;
+		}
+
 		if (bvprvp && blk_queue_cluster(q)) {
 			if (seg_size + bv.bv_len > queue_max_segment_size(q))
 				goto new_segment;